Core Viewpoint - The article discusses the impact of recent hailstorms in Beijing on vehicles and the insurance claims process for damages caused by natural disasters like hail [3][5]. Insurance Coverage - Vehicle damage caused by hail is covered under comprehensive car insurance, which includes losses from natural disasters and accidents, as confirmed by insurance representatives [3][5]. - The mandatory traffic insurance (交强险) does not cover damages to the insured vehicle from natural disasters, emphasizing the need for comprehensive coverage to claim hail damage [3][4]. Claims Process - As of September 14, 2025, insurance companies in Beijing have received a significant number of claims related to the hailstorm, with over 14,000 claims reported by Ping An Insurance and 4,300 by China Pacific Insurance [5]. - Insurance representatives advise vehicle owners to document damages promptly, including taking photos and covering broken windows to prevent further damage [5]. Preventive Measures - To mitigate potential hail damage, insurance experts recommend parking in underground garages or using protective covers when hail warnings are issued [6].

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]