PING AN OF CHINA(SH:601318) 第一财经·2025-09-14 15:59Core Viewpoint - The article discusses the impact of recent hailstorms in Beijing on vehicles and the insurance claims process for damages caused by natural disasters like hail [3][5]. Insurance Coverage - Vehicle damage caused by hail is covered under comprehensive car insurance, which includes losses from natural disasters and accidents, as confirmed by insurance representatives [3][5]. - The mandatory traffic insurance (交强险) does not cover damages to the insured vehicle from natural disasters, emphasizing the need for comprehensive coverage to claim hail damage [3][4]. Claims Process - As of September 14, 2025, insurance companies in Beijing have received a significant number of claims related to the hailstorm, with over 14,000 claims reported by Ping An Insurance and 4,300 by China Pacific Insurance [5]. - Insurance representatives advise vehicle owners to document damages promptly, including taking photos and covering broken windows to prevent further damage [5]. Preventive Measures - To mitigate potential hail damage, insurance experts recommend parking in underground garages or using protective covers when hail warnings are issued [6].