冰雹夜袭北京，有险企车险报案超万件 自然灾害导致的车险理赔是否会影响下年度保费？

Core Points - A severe hailstorm hit Beijing on May 13, causing significant damage to vehicles parked outdoors, with many car owners filing insurance claims [1][2][3] - Insurance companies reported a high volume of claims, particularly in the Shijingshan district, where the damage was most severe [3][4] - Experts indicated that claims resulting from natural disasters like hail will not affect the policyholders' premiums for the following year [4][5] Group 1: Weather Impact and Claims - On May 13, Beijing experienced strong convective weather, including hail with diameters exceeding 4 cm, leading to extensive vehicle damage [2][3] - The average rainfall recorded in the city was 6.2 mm, with the highest at 56.4 mm in Fangshan district [2] - By May 14, several insurance companies reported thousands of claims, with Ping An Insurance receiving 14,714 claims, and Pacific Insurance receiving 2,912 claims specifically for natural disaster-related damages [3] Group 2: Insurance Coverage and Premiums - The current car insurance policy covers damages from natural disasters, including hail, as long as the vehicle is insured under collision coverage [4][5] - Insurance companies in Beijing have waived the requirement for meteorological proof for claims related to the hailstorm [4] - Claims for vehicle damage due to hail, such as broken windows and body dents, are eligible for compensation, while damages from non-hail related incidents are not covered [4][5]