Can I cover car damage insurance during hailstorms? How will the claim be settled?

The insurance company will compensate.

Because hail damage is covered by the insurance company's car damage insurance, any car owner who has purchased the car damage insurance will find that the vehicle has been damaged by hail, or the vehicle has been damaged by falling objects caused by strong winds. If there is any damage, you can call the insurance company to report the case and apply for compensation from the insurance company. If a vehicle is damaged by hail, the owner should report the damage as soon as possible, preferably within 48 hours.

However, there are three situations in which compensation must be based on specific circumstances:

1. If the car owner only purchases car damage insurance, he can only receive 85% of the compensation. In other words, the car owner only purchased car damage insurance without other auxiliary insurance. The insurance company will bear 85% of the compensation, and the car owner must bear the rest.

2. If you purchase car damage insurance, you can get full compensation if you purchase both car damage insurance and insurance excluding deductibles. If the car owner only purchases compulsory traffic insurance and encounters a hailstorm, you will not be able to enjoy claims services.

3. If the entire car is damaged, you can get the corresponding compensation as long as you are insured with car damage insurance and no additional deductibles; if only a single glass is damaged (excluding sunroof), you need to purchase separate glass breakage insurance Only then can you receive compensation. In this case, you also need to buy glass insurance, because glass insurance is a separate insurance, so it will not compensate when the glass is damaged.

Extended information:

Under the following circumstances, the insurer is not responsible for compensation for the loss of the insured vehicle regardless of any reason:

Vehicle loss insurance

< p>(1) Earthquakes, wars, military conflicts, terrorist activities, riots, seizures, confiscations, government expropriations;

(2) Competitions, tests, repairs and maintenance periods in commercial maintenance sites;

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(3) Using insured vehicles to engage in illegal activities;

(4) Drivers using insured vehicles after drinking alcohol, taking or injecting drugs, or being anesthetized;

( 5) The insured vehicle is involved in a hit-and-run accident;

(6) The driver has one of the following circumstances:

1. No driver’s license or the vehicle being driven does not match the type permitted by the driver’s license;

2. Driving without a valid driver's license in other circumstances specified by the public security and traffic management department;

3. Personnel using various special mechanical vehicles and special vehicles are not authorized by the relevant national departments Valid operating certificate issued by the State; drivers driving commercial buses do not have valid qualification certificates issued by relevant national departments.

(7) Drivers not permitted by the insured use the insured vehicle;

(8) The insured vehicle does not have a valid driving license.

The insurer is not responsible for compensating for the following losses and expenses of the insured vehicle:

(1) Natural wear and tear, decay, breakdown, and individual tire damage;

(2) Individually broken glass, scratches on the car body without obvious signs of collision, and individual broken sunroofs and reversing mirrors;

(3) Losses caused by manual direct oil supply and high-temperature baking;

< p>(4) Losses caused by spontaneous combustion and fires caused by unknown reasons;

Spontaneous combustion refers to the fire caused by the failure of the vehicle's electrical appliances, wiring, and fuel supply systems, or the cargo itself.

(5) After suffering a loss within the scope of insurance liability, continuing to use it without necessary repairs, causing the loss to expand;

(6) Caused by pollution (including radioactive pollution) losses;

(7) Loss caused by depreciation due to changes in market prices and loss due to reduced value after repairs;

(VIII) New uninsured items other than the standard configuration of the vehicle Loss of equipment;

(9) Starting the vehicle in water that has flooded the exhaust pipe or air intake pipe, or starting the vehicle without necessary treatment after being flooded, resulting in engine damage;

(10) Losses caused by falling, collapsing, impacting or leaking goods carried by insured vehicles;

(11) Losses caused by overturning of motorcycles while parked;

( 12) Being stolen, robbed, or robbed, or being damaged or having vehicle parts or accessories lost due to being stolen, robbed, or robbed;

(13) Intentional behavior of the insured or the driver the losses caused.

Baidu Encyclopedia-Car Damage Insurance