"收获北京冰雹限定款碎玻璃""我的车被砸成了筛子"…… 9月13日傍晚至晚间，北京多个区域突降冰雹，有不少车辆的车身、挡风玻璃、天窗等被冰雹砸坏。 不少网友在社交平台上"吐槽"的同时，也有网友询问保险是否可保。 对此，人保财险一名客服人员告诉第一财经记者，自2020年9月车险综合改革实施后，车损险已覆 盖了使用被保险机动车过程中因自然灾害、意外事故造成被保险机动车的直接损失。而冰雹是自然灾 害的一种，车辆（无论是新能源车还是燃油车）只要投保了车损险即可按合同约定获得保险赔付。 平安产险北京分公司人士在接受记者采访时表示，针对此次冰雹造成的车辆损失，车辆的挡风玻璃/ 车窗破损、车身凹陷（雹坑）、车灯损坏、天窗漏水等直接冰雹损伤均可获赔，但未投保车损险的车 辆、事故后未及时报案导致扩大的损失、发动机进水（非直接冰雹造成）这几种情况则无法获得相应 理赔。 值得注意的是，交强险的保障范围主要是第三者人身伤亡及财产损失，不包含对自身车辆的自然灾害 损害保障。因此如果仅投保交强险未投保商业车损险，则冰雹造成的车损不在赔付责任内。 2025.09. 14 本文字数：1082，阅读时长大约2分钟 作者 | 第一财经 杨倩雯 ...

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]