Who will pay if a typhoon blows down a billboard and hits a car?
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Typhoon damage settlement and compensation is also a topic among many car owners. For example, the sudden tornado in Liaoning made many car owners concerned about the issue of car damage claims caused by the typhoon. In fact, it can be interpre ted for everyone from several aspects.
Assuming that the glass pin is damaged, the claim will be car damage insurance. Typhoons may lift up a lot of heavy objects, and high wind speeds can easily damage car glass. In this case, if there is no glass insurance, the insurance company will accept it, but it will not cover other claims.
If something falls and breaks, it is also covered by the car damage insurance. After all, in typhoon weather, trees or billboards can easily fall down and damage cars. Losses caused by natural disasters can be included in car damage insurance, and the insurance company will compensate you.
Turnaround: This is considered a big typhoon, even the car was overturned. The compensation is settled by weighing the liability. If you collide with trees, telephone poles, or pedestrians during a typhoon, you will be covered by the collision liability in your auto insurance.
In short, the best result is that the car will not be damaged during a typhoon. If something does get damaged, it's important to know what kind of insurance you should buy. After all, you can fix your luck without spending any money.
- How to make a claim for damage to a Typhoon car?
- Can vehicles damaged by typhoons be covered by insurance?
- A billboard for an Internet cafe fell down and hit a car due to a typhoon. Can I ask for compensation from the Internet cafe?
Typhoon damage settlement and compensation is also a topic among many car owners. For example, the sudden tornado in Liaoning made many car owners concerned about the issue of car damage claims caused by the typhoon. In fact, it can be interpre ted for everyone from several aspects.
Assuming that the glass pin is damaged, the claim will be car damage insurance. Typhoons may lift up a lot of heavy objects, and high wind speeds can easily damage car glass. In this case, if there is no glass insurance, the insurance company will accept it, but it will not cover other claims.
If something falls and breaks, it is also covered by the car damage insurance. After all, in typhoon weather, trees or billboards can easily fall down and damage cars. Losses caused by natural disasters can be included in car damage insurance, and the insurance company will compensate you.
Turnaround: This is considered a big typhoon, even the car was overturned. The compensation is settled by weighing the liability. If you collide with trees, telephone poles, or pedestrians during a typhoon, you will be covered by the collision liability in your auto insurance.
In short, the best result is that the car will not be damaged during a typhoon. If something does get damaged, it's important to know what kind of insurance you should buy. After all, you can fix your luck without spending any money.
Vehicles damaged by typhoons can be covered by insurance. Specifically, the relevant terms of the car damage insurance stipulate that if the vehicle is damaged due to fire, explosion, storm, typhoon, tornado, collision, overturning and falling objects from height, flood, tsunami, thunderstorm, hail, mudslide, landslide, etc., the insurance The company will compensate you. However, the compensation method will vary depending on the damage to the vehicle.
For vehicle losses caused by typhoons, there are the following situations:
1. The vehicle is flooded
If the vehicle is flooded while stationary , such as parking in underground parking lots, community roads, etc., the rescue costs, cleaning costs, electrical appliance losses, interior parts losses, etc. are all covered by car damage insurance. However, it should be noted that if the engine is damaged due to water intrusion into the vehicle, you will need to obtain compensation through water-related insurance. Therefore, we recommend that car owners do not take the risk of driving through water during high water conditions such as typhoons or heavy rains.
2. Damaged by falling objects such as trees and billboards
If the vehicle is damaged by falling objects such as trees and billboards during typhoon weather, it is covered by vehicle damage insurance. category, corresponding insurance compensation can be obtained. At this time, the car owner should not move the vehicle at will, but should call the insurance company and take photos for storage. It is important to note that if only the glass of the vehicle is damaged, some insurance companies may not pay compensation unless the vehicle is insured for glass.
3. The vehicle rolls over or collides
If the vehicle overturns or the car body hits the bottom due to a typhoon, you can make a claim through "overturning liability". In addition, if a vehicle collides with trees, telephone poles, pedestrians and other vehicles during a typhoon, you can also make a claim through "collision liability".
It should be noted that if the vehicle is still driving through water despite knowing that the road is full of water, or the vehicle stalls while driving in water, and the owner starts it a second time and causes artificial losses to the engine, these situations may lead to The insurance company refused to pay. Therefore, when encountering rising water conditions such as typhoons or heavy rains, we recommend that car owners do not risk driving through water.
For vehicle losses caused by typhoons, there are the following situations:
1. The vehicle is flooded
If the vehicle is flooded while stationary , such as parking in underground parking lots, community roads, etc., the rescue costs, cleaning costs, electrical appliance losses, interior parts losses, etc. are all covered by car damage insurance. However, it should be noted that if the engine is damaged due to water intrusion into the vehicle, you will need to obtain compensation through water-related insurance. Therefore, we recommend that car owners do not take the risk of driving through water during high water conditions such as typhoons or heavy rains.
2. Damaged by falling objects such as trees and billboards
If the vehicle is damaged by falling objects such as trees and billboards during typhoon weather, it is covered by vehicle damage insurance. category, corresponding insurance compensation can be obtained. At this time, the car owner should not move the vehicle at will, but should call the insurance company and take photos for storage. It is important to note that if only the glass of the vehicle is damaged, some insurance companies may not pay compensation unless the vehicle is insured for glass.
3. The vehicle rolls over or collides
If the vehicle overturns or the car body hits the bottom due to a typhoon, you can make a claim through "overturning liability". In addition, if a vehicle collides with trees, telephone poles, pedestrians and other vehicles during a typhoon, you can also make a claim through "collision liability".
It should be noted that if the vehicle is still driving through water despite knowing that the road is full of water, or the vehicle stalls while driving in water, and the owner starts it a second time and causes artificial losses to the engine, these situations may lead to The insurance company refused to pay. Therefore, when encountering rising water conditions such as typhoons or heavy rains, we recommend that car owners do not risk driving through water.
Legal analysis: Yes. As the owner, manager and user of the billboard involved in the case, the Internet cafe failed to maintain and reinforce the billboard during the typhoon and should be liable for damages. If the car owner has car damage insurance, it is recommended that the car owner first call the police, fix the evidence, and then file a claim with the insurance company. After the insurance company settles the claim, it can then pursue compensation from the responsible person in accordance with the law.
Legal basis: Article 1253 of the Civil Code of the People's Republic of China If a building, structure or other facility and its resting or hanging objects fall off or fall causing damage to others, the owner shall If the administrator or user cannot prove that he or she is not at fault, he or she shall bear infringement liability. After the owner, manager or user makes compensation, if there are other responsible persons, the owner, manager or user shall have the right to recover compensation from the other responsible persons.