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 - 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].