Core Viewpoint - The article discusses the impact of a hailstorm in Beijing on vehicles and the subsequent insurance claims process for affected car owners, emphasizing the importance of timely reporting to insurance companies. Group 1: Hailstorm Impact - A severe hailstorm occurred in Beijing on May 13, with hailstones exceeding 4 centimeters in diameter, causing significant damage to vehicles [1][5] - Car owners reported visible damage, including dents and shattered windshields, prompting immediate concern for repairs and insurance claims [3][5] Group 2: Insurance Claims Process - Multiple insurance companies confirmed that vehicle owners can file claims through their collision insurance if their cars are damaged by hail [6] - Car owners are advised to report the damage within 48 hours, either by calling the insurance hotline or using online platforms [6] - Due to the high volume of claims following the hailstorm, insurance companies may conduct remote assessments, requiring car owners to send photos of the damage [6] - It is recommended that car owners file a claim for record-keeping, even if they are uncertain about proceeding with repairs through insurance [6]

Summary of Key Points Core Viewpoint - The recent hailstorm in Beijing has raised concerns among car owners regarding insurance coverage for vehicle damage caused by hail [3][4]. Insurance Coverage - Vehicle insurance in China is divided into mandatory traffic accident liability insurance and commercial insurance, with commercial insurance including vehicle damage insurance that covers losses from accidents, falls, storms, rain, hail, and other natural disasters [3][4]. - Since the comprehensive reform of vehicle insurance in 2020, hail damage has been explicitly included in the coverage of vehicle damage insurance, meaning that if a vehicle is insured, damages from hail such as roof sunroof and windshield breakage are eligible for compensation [3][4]. Insurance Company Responses - Multiple insurance companies, including Ping An Property & Casualty Insurance, have activated emergency responses to the hail disaster, implementing various service measures [4]. - As of 21:30, Ping An Property & Casualty Insurance reported receiving 1,400 claims related to hail damage, deploying 212 adjusters, and preparing over 50 rescue vehicles [4]. - The company has introduced a new "Hail Quick Photo" feature in its app, allowing claims to be processed with just three photos, and has developed an AI recognition system for automatic repair matching [4]. Claims Process - For claims related to hail damage, it is advised that vehicle owners document the scene and evidence, including taking photos of the damage and recording the time and location of the incident [5]. - After the hailstorm, it is recommended to immediately capture a panoramic video of the vehicle's damage and report the incident to the insurance company, following their instructions for uploading photos [5].