Core 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].

Core Insights - A severe hailstorm hit multiple areas in Beijing on the evening of September 13, causing significant damage to vehicles, including broken windshields and dents [2] - Insurance companies have confirmed that vehicles covered by comprehensive car insurance can claim for damages caused by natural disasters like hail [2][4] - Timely reporting of claims is crucial, with a standard requirement of reporting within 48 hours for car insurance [1][4] Insurance Coverage - Comprehensive car insurance covers direct losses from natural disasters, including hail damage to vehicles [2] - Specific damages eligible for claims include broken windshields, body dents, and water leaks from sunroofs, provided the vehicle is insured [2][4] - Vehicles without comprehensive coverage, or those that fail to report damages promptly, may not receive compensation [2][4] Claims Process - As of September 14, insurance companies in Beijing have received a high volume of claims, with over 14,000 reported to Ping An Insurance and 4,300 to China Pacific Insurance [4] - Vehicle owners are advised to document damages with photos and to cover broken windows to prevent further issues [4] - The insurance companies emphasize the importance of timely reporting, recommending claims be filed within 48 hours for car insurance and 24 hours for property insurance [4] Preventive Measures - Insurance representatives suggest parking in underground garages or using protective covers when hail warnings are issued to minimize potential damage [4]

Core Points - The article discusses the insurance claims process for vehicle damage caused by hail, emphasizing the importance of having the right coverage and timely reporting [1][4]. Group 1: Insurance Coverage - Vehicle owners must check their insurance policy to determine if they have comprehensive coverage that includes hail damage; only those with collision insurance can claim for damages caused by hail [1]. - If only basic liability insurance is held, claims for hail damage will not be honored [1]. Group 2: Claims Process - The first step is to report the claim to the insurance company within 48 hours after the hailstorm; failure to do so may result in claim denial or reduced compensation [4]. - Evidence must be documented thoroughly, including panoramic photos that capture the vehicle's license plate, hail remnants, and details of the damage [3]. - For damages under 10,000 yuan, some insurance companies allow for claims without an on-site inspection, with payments processed within one hour; for more severe damage, it is advisable to have an assessment at an approved repair shop to avoid disputes [7]. Group 3: Exclusions and Additional Coverage - Damage to additional features like window films is typically not covered under standard policies and requires separate additional insurance [6].

Core Viewpoint - The article discusses the insurance coverage for vehicle damage caused by natural disasters such as hail, emphasizing the importance of having comprehensive vehicle damage insurance for claims to be honored [1]. Summary by Relevant Sections - **Insurance Coverage** - After the 2020 car insurance reform, damages from natural disasters like hail and heavy rain are included in the vehicle damage insurance coverage [1]. - Only those who have purchased vehicle damage insurance can claim compensation for damages caused by hail, such as dents or shattered glass [1]. - If only basic liability insurance or third-party insurance is held, claims for such damages will not be honored [1]. - **Claim Reporting Requirements** - Vehicle owners must report the damage to the insurance company within 48 hours after the hailstorm has stopped [1]. - Failing to report within this timeframe may result in reduced compensation or denial of the claim altogether [1].

Group 1 - The article discusses a recent court case in Fuzhou, where an insurance company was ordered to compensate a vehicle owner for damages caused by flooding during a natural disaster, despite the vehicle being in a repair shop at the time of the incident [1][2] - The court ruled that the cause of the damage was the natural disaster (heavy rain) and not the vehicle's location during maintenance, which aligns with the principles of insurance liability [1][2] - The importance of commercial vehicle insurance is highlighted, especially as it now includes coverage for water damage due to natural disasters, which was previously a separate policy [2][3] Group 2 - The article outlines three scenarios where insurance claims for water-damaged vehicles may be denied: restarting the engine after water exposure, failure to meet inspection requirements, and engaging in illegal activities such as driving under the influence [3][4] - It notes that the claims process for both fuel and electric vehicles is similar, but the assessment standards differ, particularly for electric vehicles which may have higher repair costs and a greater likelihood of being deemed a total loss [3][4] - The article emphasizes the increase in insurance claims due to flooding during the critical flood prevention period and advises vehicle owners on the proper steps to take when filing a claim after such incidents [4]

Group 1 - Severe hailstorm and strong winds occurred in multiple districts of Beijing, causing significant damage to vehicles [1] - Hailstones were reported to be larger than 4 cm in diameter, with some the size of eggs [1] - Insurance companies confirmed that vehicles with comprehensive insurance can claim compensation for damages caused by hail [1] Group 2 - After reporting the damage, vehicle owners should take comprehensive photos and collect meteorological evidence to support their claims [2] - Insurance companies have mobilized resources, with over 300 claims adjusters deployed and 1,200 repair shops prepared for assistance [2] - As of May 14, over 4,000 claims related to hail damage had been reported, with several claims already compensated [2] Group 3 - Pacific Insurance reported receiving 42 claims due to natural disaster-related vehicle damage, with a significant number from the Shijingshan District [3]

Core Viewpoint - A rare severe convective weather event in Beijing on May 13 caused significant damage, particularly from hail, leading to a surge in insurance claims related to vehicle damage [1][2]. Group 1: Insurance Claims and Regulations - On May 14, a certain insurance company processed 11,000 claims related to hail damage, indicating the severity of the situation [1]. - According to the China Insurance Industry Association's Motor Vehicle Commercial Insurance Model Clauses (2020), hail is classified as a natural disaster covered under vehicle damage insurance [3]. - Vehicle owners must report claims within 48 hours to avoid potential reductions in compensation, and they should provide evidence such as photos and meteorological reports [3][4]. Group 2: Recommendations for Vehicle Owners - Vehicle owners are advised to purchase vehicle damage insurance as it covers various natural disasters and accidents, including hail damage [3]. - For older vehicles, it is recommended to add "glass breakage insurance," and owners in high-risk areas should consider "engine water damage insurance" [3]. - Choosing a "0 deductible" product is suggested to avoid out-of-pocket expenses for minor claims [3]. Group 3: Special Situations and Claim Process - Some insurance companies do not count a single claim for natural disasters against the number of claims, but multiple claims may lead to increased premiums [4]. - The Beijing Financial Court provided four key tips for the claims process, emphasizing the importance of documentation and timely reporting [5][6].

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].

Core Viewpoint - A sudden hailstorm hit multiple areas in Beijing on May 13, causing significant damage to vehicles and properties, leading to over 20,000 insurance claims for vehicle damage due to hail as of May 14 [1][2]. Group 1: Insurance Claims and Responses - As of May 14, 16:00, Ping An Property & Casualty Insurance received 15,381 vehicle damage claims due to hail, with the highest claims from Shijingshan (4,957) and Haidian (4,052) districts [2]. - As of May 14, 13:00, China Pacific Insurance reported 6,179 claims specifically attributed to natural disasters, with a concentration in Shijingshan and Haidian districts [4]. - China Life Property & Casualty Insurance mobilized over 300 adjusters and prepared 1,200 repair network points, with 85 rescue vehicles ready for assistance [1]. Group 2: Coverage and Exclusions - Vehicle damage claims for hail include direct damages to windshields, body, lights, and sunroofs, but do not cover damages from non-hail related incidents or if the vehicle was not insured for damage [4]. - For property claims, damages to glass, roofs, and outdoor equipment are covered if the appropriate insurance is in place, but losses from unclosed windows leading to water damage are excluded [5]. - In agriculture, insured greenhouse damages and crop losses due to hail are covered, but losses from failure to take preventive measures are not compensated [5]. Group 3: Claims Process and Recommendations - Consumers are advised to act quickly in the claims process, including taking photos of damages and documenting losses before cleaning up the site [5]. - There are specific reporting time limits: vehicle claims should be reported within 48 hours, while property claims are recommended to be reported within 24 hours [5].

Core Viewpoint - A severe hailstorm hit Beijing's Shijingshan District on the evening of May 13, causing significant damage to vehicles and leading to a surge in insurance claims [2][4][10]. Group 1: Impact on Vehicle Owners - Many vehicle owners reported extensive damage, with hailstones comparable to the size of eggs causing dents and broken windows [2][4]. - Insurance claims for vehicle damage surged, with reports of long wait times to connect with insurance companies for claims [2][8]. - Some vehicle owners expressed reluctance to file claims due to anticipated increases in insurance premiums for the following year [2][9]. Group 2: Insurance Coverage and Claims Process - Hail damage is generally covered under vehicle damage insurance, as per the guidelines from the China Insurance Industry Association [4]. - Vehicle damage insurance includes coverage for various incidents, including hail, and does not require separate policies for glass damage since the 2020 reform [4][9]. - Insurance companies advised vehicle owners to report claims within 24 hours and suggested documenting the damage with photos for a smoother claims process [4][10]. Group 3: Insurance Companies' Response - Ping An Insurance reported over 10,436 claims related to the hailstorm, with a significant number coming from Shijingshan and Haidian districts [13][14]. - The company implemented an emergency response plan, including a "prevention-rescue-claims" service scheme to ensure customer safety and expedite claims [13]. - Other insurance companies, such as PICC and Taikang, also reported receiving numerous claims and initiated streamlined processes to enhance claim efficiency [14].