Who Should Be Responsible for Compensation When a Car Is Damaged by a Falling Tree During Windy Weather?

[Malcolm]

If it is a natural disaster, the owner must bear the loss themselves. However, if it can be proven that the street management was negligent, a claim for compensation can be made. Owner's Responsibility: If a tree breaks and damages a vehicle due to force majeure, and the vehicle is insured, the insurance company will cover the compensation. If there is no insurance or the damage is not covered by the insurance policy, the owner must bear the cost themselves. Vehicle Damage Insurance: This covers losses to the vehicle caused by natural disasters and accidents. It is recommended for new car owners to purchase this insurance. Third-Party Liability Insurance: This is used to compensate for third-party personal injury or death caused by the vehicle owner. This insurance is mandatory as it provides protection for both the owner and others.