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].