车损险

Search documents
北京突发冰雹砸坏车,别担心!车损险能赔,险企已接到上万起报案
第一财经· 2025-09-14 15:59
"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 ...
北京突发冰雹砸坏车,别担心!车损险能赔,险企已接到上万起报案
Di Yi Cai Jing· 2025-09-14 12:41
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]
车被冰雹砸坏了保险公司能理赔吗?记住“48小时黄金法则”
Yang Shi Wang· 2025-09-14 12:22
央视网消息:当遭遇较大尺寸的冰雹,如果车被砸坏了车主可以向保险公司申请理赔吗?理赔流程是什么?来看总台央视记者的 解读。 给不给赔呢?得先看"保单身份证"。2020年车险改革后,冰雹、暴雨这些自然灾害都明明白白写进车损险里了。您要是投保了车 损险,那冰雹把车身砸凹了、玻璃震碎了都能赔。可要是只投保了交强险或者三者险,那就没法赔了。 那怎么赔呢?记住"48小时黄金法则"。 第二步,把证据给锁死了。拿手机拍个全景视频,得把车牌、冰雹残留物,还有车身受伤的细节都包含进去。 第四步,贴膜这些附加的东西被损坏了,保险公司通常是不赔的,这得单独买附加险。 第三步,定损。要是损失在1万元以内的,有些公司支持"免现场查勘",1个小时内赔款就能到账;要是损伤比较严重,建议还是 去保险公司合作的维修点定损,这样能避免不少纠纷。 第一步,在冰雹停了以后的48小时内给保险公司报案。现在,好些保险公司都明确,如果超过了48小时,理赔的时候就可能碰 壁,甚至被拒赔,可能拿不到全额赔偿。目前,像平安、太平洋这些公司都有"冰雹快拍"功能,上传3张照片就能启动理赔。 ...
车被冰雹砸坏?只要投保车损险即可申请理赔
Yang Shi Xin Wen· 2025-09-14 05:49
此外,车主要在冰雹停了以后的48小时内给保险公司报案。如果超过了48小时,可能拿不到全额赔偿, 甚至被拒赔。 车被冰雹砸坏了,保险到底给不给赔? (总台央视记者 张道峰) 记者了解到,2020年车险改革后,冰雹、暴雨等自然灾害造成的损失都纳入车损险承保范围,也就是说 只要投保了车损险,冰雹把车身砸凹了、玻璃震碎了保险都能赔。但只投保了交强险或者三者险,无法 理赔。 ...
大货车为何遭遇续保难(金台视线)
Ren Min Ri Bao· 2025-08-10 21:51
Core Viewpoint - The recent challenges faced by truck drivers in renewing commercial insurance have raised concerns about operational risks and the livelihoods of drivers in the logistics industry [1][2][3]. Group 1: Insurance Renewal Challenges - Many truck drivers, such as those operating in Hebei, have reported being denied renewal of commercial insurance due to being classified as E-class vehicles, which indicates a higher risk [2]. - A significant number of trucks are unable to secure insurance, with reports indicating that nearly 20% of vehicles in some fleets cannot be insured due to this classification [3]. - The cost of insurance has increased dramatically, with some drivers experiencing premium hikes from around 10,000 to 40,000 yuan per vehicle [3]. Group 2: Impact on Drivers and Operations - The inability to renew insurance has led to operational halts for many drivers, affecting their income and ability to support their families [3][4]. - Drivers with good driving records have also faced challenges due to their companies being blacklisted for high overall accident rates, impacting their individual insurance options [3][5]. Group 3: Insurance Company Perspectives - Insurance companies utilize a rating system based on various factors, including driving behavior and accident history, to assess risk and determine insurance eligibility [5][6]. - Some insurance executives argue that the perception of refusal to insure is often due to disagreements over premium pricing rather than outright denial of coverage [6][7]. - The insurance industry faces significant losses in the commercial truck sector, leading to higher premiums and stricter underwriting criteria [7][10]. Group 4: Regulatory and Policy Responses - Recent government initiatives aim to address the insurance challenges faced by truck drivers, including the introduction of a platform for easier online insurance access [8][9]. - Experts suggest that optimizing insurance mechanisms and enhancing risk management practices are essential for improving the situation for truck drivers [10][11]. - There is a call for differentiated pricing models and the introduction of social capital to create new insurance solutions for high-risk vehicles [10][11].
车被水泡/冲走?保险赔不赔?全损怎么定?一文讲透所有问题
3 6 Ke· 2025-07-31 00:30
车被水冲走,能全款赔! 最近北京暴雨,好多地方都积水严重,不少车子都遭了殃。 看着自己的爱车泡在水里,车主们心里又着急又心疼,但不知如何是好。 所以啊,对咱老百姓来说,车子要是被水泡了如何正确处理?保险公司能赔吗?赔多少?别急,极果君整理了这份《泡水车急救指南》,从应急处理到保 险理赔,手把手来教你应对! 车淹后应急处理 首先第一点,爱车泡水后,第一反应该做什么? 燃油车车主看这里 1.车辆行驶中,因积水导致熄火无法正常行驶 千万切记!不要着急进行二次启动!防止对发动机带来二次损伤。你只需要打电话给保险公司报案,保险公司会指派理赔专员进行现场查勘。 2.车辆停止状态下被水淹 确认车舱内进水后,联系保险公司报案、查勘。 新能源车车主看这里 由于是电车,遇水后更要谨慎对待。车主应做到以下几步: 第一步:立即断电 深水熄火后严禁重启,立即长按紧急断电按钮(具体参考车辆说明书) 别心存侥幸重启,高压系统短路修起来比燃油车贵10倍! 第二步:人撤离 涉水后车辆可能带电,人迅速远离车身保障安全。 第三步:呼叫救援 接着联系4S店或保险公司,并强调需要新能源车专用拖车(避免底盘电池二次损伤)。拖车时需平板运输,不能传统拖拽 ...
“下午钱就到账!”暴雨后闪电赔付 保险业筑起金融堤坝
Hua Xia Shi Bao· 2025-07-30 18:22
7月末,华北大地遭遇了一场罕见的暴雨围城。在北京市密云、怀柔、延庆等地,降雨量突破历史极值 ——密云郎房峪和朱家峪累计降水量高达543.4毫米,怀柔东峪单小时降雨量接近100毫米。 洪水漫过街道,冲毁农田,30条生命在这场灾害中逝去,136个村庄陷入黑暗,1825个通信基站停止服 务。当自然之力肆虐时,一群身着工装的身影正逆流而行,他们是保险理赔员,在齐膝深的积水中点亮 金融救援的星火。 7月26日晚,北京市延庆区、怀柔区、密云区分别升级发布暴雨红色预警。北京市水文总站发布洪水黄 色预警,随后在27日凌晨升级发布洪水红色预警。密云区溪翁庄镇的农户袁先生看着被暴雨冲塌的70平 米大棚满脸愁容,但28日破晓时分,中国太保的查勘车已碾过泥泞抵达现场。理赔员李豪踩着垮塌的墙 体完成测量,e农险APP实时生成1.8万元赔款数据。"下午钱就到账!"李豪的承诺让袁先生紧锁的眉头 终于舒展。此时距报案仅过去4小时,这场与时间的赛跑才刚刚开始。 在暴雨最凶猛的72小时内,保险业启动了一场规模空前的总动员。在金融监管总局统一调度下,北京金 融监管局连夜启动应急机制。人保、平安、国寿等十多家险企的专项工作组星夜集结。暴雨未歇,15 ...
冰雹砸车保险赔不赔?听法官详解极端天气车险理赔全流程
Bei Ke Cai Jing· 2025-05-23 07:16
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].
因冰雹出险保费会涨吗
Jing Ji Ri Bao· 2025-05-17 21:52
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].
车辆桥下躲冰雹导致交通拥堵,需要担责吗?专家解读
Yang Shi Xin Wen Ke Hu Duan· 2025-05-15 07:04
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].