Recently, there have been a lot of extreme weather, and many people's cars were parked outside and were smashed by hail at the end of the night. But hail is a small area of instantaneous occurrence, maybe in the same area, the people over there were smashed, and the people here are fine, so there are many people who have not been hit by hail and began to worry that after my car was hit by hail, can I find an insurance company to make a claim, if not? It will definitely cost a lot of money to repair the car, what is the point of buying this insurance?
There is one in the case of the insurance company's refusal to pay compensation, that is, the loss of the vehicle caused by force majeure factors, the insurance company will not pay compensation, then we must understand what this force majeure factor refers to? For example, isn't there a war between the Middle East and Ukraine now, and those people over there may be blown up by missiles if they park their cars on the side of the road, and this kind of war and earthquake are force majeure factors. In addition, when there is a war, the army may have to requisition vehicles, and the requisition of the army and terrorist attacks are force majeure factors. However, the definition and scope of force majeure factors by insurance companies will be different, and sometimes even if it is a force majeure factor, but it occurs on a small scale, then the insurance company will also pay a claim.
So it is a force majeure factor, because the loss of vehicles caused by natural disasters will not be compensated theoretically, but as mentioned earlier, the insurance company will have different definitions and scopes for this force majeure factor, and sometimes even if it is a force majeure factor, but the scope is small, it will also give you a claim.
For example, in 2013, there was a relatively large typhoon along the coast of Guangxi, and the typhoon blew down all the banana trees planted by some farmers. Because the farmers bought insurance when they planted the banana trees, the typhoon was originally a force majeure factor, but the insurance company paid the claim. And in the course of this typhoon, he brought a lot of rainwater over, our coastal side is often prone to waterlogging, many cars are flooded while driving, this kind of flooded car insurance company can also make a claim, as long as your engine is flooded and does not start a second time, you can make a claim.
I had a hailstorm in my 10th year of driving, and after the hailstorm, I consulted my colleagues at the insurance company where I used to work, and they told me that the hail damage to the car was compensable. Hail it is a small-scale natural disaster, although it is a force majeure factor, but it is wading with our vehicle, these are the same, can be claimed, but we have to buy vehicle loss insurance to be able to pay you a claim, you can't buy a compulsory insurance, you also want the insurance company to compensate you, right?
Nowadays, commercial insurance has included a lot of very useful and very important types of insurance in car damage insurance, such as hail damage to the car, as long as you buy car damage insurance, then it can compensate you. But hail is a time-sensitive thing, it is a weather condition, after the car is smashed, you have to call the police within 48 hours, otherwise the hail will melt away, everything will be back to normal, and you buy the insurance of a small insurance company, then people will ask you to provide this meteorological certificate, it will be very troublesome. If you call the police within 48 hours, the insurance company will definitely check the weather information to prove whether you are lying, and then pay you a claim based on this actual situation.
In general, hail it is a force majeure natural disaster, but it can be claimed, it should be noted that if our car is damaged by hail, we must call the police as soon as possible, to avoid the statute of limitations of the insurance company, let you provide messy proof, so it will be very troublesome, if you think what I said is useful to you, don't forget to give me a thumbs up, thank you.