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].

Core Viewpoint - The article discusses the implications of emergency parking during sudden hailstorms, highlighting the debate on whether such actions can be justified as "emergency avoidance" and the potential legal consequences involved [2][4]. Group 1: Emergency Avoidance Behavior - Drivers seeking shelter under overpasses during hailstorms caused significant traffic congestion, leading to public criticism regarding the selfishness of their actions [2]. - Experts suggest that while emergency parking can be justified in dangerous situations, drivers should ideally pull over to the side of the road to minimize obstruction [4][5]. - The concept of "emergency avoidance" is recognized, but it must be balanced against the need to allow passage for emergency vehicles like ambulances [3][4]. Group 2: Insurance Implications - Following the hailstorm, there are concerns regarding insurance coverage for vehicles damaged by hail, which depends on the type of insurance policy held by the vehicle owner [6]. - Policies that include comprehensive coverage will typically cover damages from hail, while basic liability insurance may not [6]. - Vehicles parked in restricted areas may face denial of claims due to the owner's negligence, emphasizing the importance of proper parking during adverse weather conditions [6].