因冰雹出险保费会涨吗

Core Viewpoint - The article discusses the impact of extreme weather on vehicle damage and the insurance claims process, emphasizing the importance of having comprehensive vehicle insurance to cover such losses [1][2]. Group 1: Insurance Coverage - According to the terms of motor vehicle loss insurance, insurers will compensate for vehicle damage caused by natural disasters or accidents during the insurance period, provided it is not within the exclusion range [1]. - Vehicle damage insurance is a voluntary commercial insurance, and if a vehicle owner only opts for mandatory liability insurance, they will not receive compensation for damages caused by natural disasters [1]. - Certain policyholders may have chosen exclusions for engine water damage, meaning if their vehicle's engine is damaged due to flooding, the insurer will not provide compensation [1]. Group 2: Premium Impact - The composition of car insurance premiums includes mandatory liability insurance and commercial insurance, with the latter being affected by claims related to natural disasters like hail and heavy rain [2]. - Claims made under comprehensive vehicle insurance can influence the No Claim Discount (NCD) coefficient, which affects future premium rates over a four-year period [2]. - Insurers set their own pricing coefficients based on claims history, and a claim due to hail can lead to an increase in these coefficients [2]. Group 3: Risk Mitigation - Vehicle users are advised to stay informed about weather warnings and adjust their travel plans accordingly to avoid exposing their vehicles to risk [2]. - Recommendations include parking in higher ground or indoor facilities during heavy rain and using protective covers for vehicles during hailstorms [2]. - Electric vehicle owners should avoid charging during heavy rain and refrain from starting their vehicles if they have been submerged to prevent secondary risks [2][3].