Will the insurance company compensate for hail damage to the car?
1 Answers
If a car is damaged by hail, you can file a claim with the insurance company. Although natural disasters such as earthquakes and floods are not covered, hail and falling objects from heights are included under the vehicle damage insurance liability. Since hail usually occurs in localized areas, it is not classified as a force majeure event. More details are as follows: 1. Insurance regulations: In the new version of auto insurance, damage caused by natural disasters, including hail, typhoons, blizzards, and sandstorms, is covered under the vehicle damage insurance. Previously, all natural disasters were excluded from coverage. 2. Trial of the new auto insurance policy: The new version of auto insurance has already been piloted in 18 provinces and cities, and the insurance regulatory authority has confirmed that it will be rolled out nationwide by the end of June. This means that the new insurance regulations will soon be implemented across the country. Even if the policy was purchased under the old regulations, claims will be processed according to the new rules once they take effect. Not all hail damage will be compensated. Hailstones vary in size, and if only one or two hit the car, causing damage solely to the glass (especially the sunroof), the claim will only be covered if you have purchased separate glass insurance. Vehicle damage insurance alone will not provide compensation in such cases.