According to meteorological forecast, Beijing will see severe convective weather today (May 16), with thunderstorms and wind gusts expected from late afternoon till the first half of night, alongside hail in some areas. Residents are advised to stay updated on upcoming forecasts and warnings, pay attention to travel safety, and secure outdoor items vulnerable to hail damage.
How to stay safe when encountering a sudden hailstorm while driving?
When encountering hail, reduce your vehicle speed and turn on hazard warning lights and position lights.
Immediately seek shelter in a safe location and avoid parking your car under trees to prevent possible damage from falling branches or trees.
If no appropriate shelter is available, position the critical components—such as the engine compartment and passenger compartment—away from the direction of the hailstorm to minimize direct impact on vital parts of your vehicle.
If you park your vehicle in open air during a hailstorm, remain inside the vehicle. Occupants shall move to rear seats, if possible, and use cushioning materials like car covers or seat cushions to cover the front and rear windshields.
Does auto insurance cover hail damage?
Hail damage is covered by auto insurance. As long as you have purchased vehicle damage insurance, you can directly file claims for hail-related losses. However, vehicles insured only with compulsory traffic liability insurance are ineligible for such claims.
What is the process for filing a claim with the insurer if your vehicle is damaged?
Step 1: Report the claim to your insurer within 48 hours after the hailstorm ends. Many insurers now offer a service called "quick photo-taking for hail damage", which allows their clients to report through uploading three photos of the damage.
Step 2: Record a panoramic video featuring the license plate, hail debris, and detailed damages to your vehicle.
Step 3: A damage assessment will be conducted. For any loss valued under CNY 10,000, some insurance companies offer on-site inspection waivers with compensation paid within one hour. For severe damages, please go to an insurer-endorsed repair shop for assessment.
(Sources: Beijing Meteorological Service, CCTV.com)