冰雹造成人车损失怎么办？ 如投保车损险，直接冰雹损伤可赔付

Core Viewpoint - The article discusses the impact of hailstorms on vehicles and the insurance coverage available for damages caused by such natural disasters, emphasizing the importance of having comprehensive car insurance for claims related to hail damage [1][2]. Group 1: Insurance Coverage - Hail is classified as a natural disaster, and damages to vehicles are covered under comprehensive car insurance policies. This includes damages to windshields, windows, body dents (hail pits), headlights, and sunroofs [1]. - Vehicles that are only covered by mandatory traffic insurance without comprehensive coverage will not be compensated for hail damage, nor will damages that are not reported in a timely manner [1]. Group 2: Claims Process - Consumers are advised to document damages immediately by taking photos of the affected areas, surrounding environment, and license plates, and to report the incident to their insurance company promptly to avoid complications in the claims process [1]. - Insurance companies often collaborate with meteorological departments to share data, allowing for automatic association of hail damage records during claims reporting, which typically does not require additional weather proof [1]. Group 3: Repair Recommendations - After the damage assessment, it is recommended that vehicle owners choose repair shops or authorized service centers suggested by their insurance companies to ensure that repair costs are recognized by the insurer [1]. - For minor body dents, a paintless dent repair method is suggested as it is relatively cost-effective [1]. Group 4: Personal Injury Insurance - In addition to vehicle damage, personal injury insurance and medical insurance can cover medical expenses for individuals injured by hail, providing compensation as per the contract terms [2]. - Consumers are warned about potential scams related to "claims processing" where third parties may request personal account transfers instead of direct payments from insurance companies [2].