How to claim compensation if your car is damaged after a typhoon? Zhiming lawyers tell you.

Are you all still reeling from yesterday’s typhoon Mangkhut? But I guess more people now are feeling sorry for their beloved cars being crushed by fallen trees, right? So how should you seek compensation for damage to your car after a typhoon? Opinions vary on this issue. Some say you can get compensated, others say you cannot. What is the truth? Zhiming lawyers have the answers for you.

 
First: Notify the traffic police and inform your insurance company.
Second: If it doesn't affect traffic and is safe, keep the scene as is without moving the car, and wait for relevant personnel to arrive.
Third: If conditions don't allow, take photos of the scene to preserve evidence.
Now comes the important fourth step: what situations require which channels for claiming compensation? Let's break it down for you.：
Situation one: The car is damaged by a fallen tree in a residential area, and the owner does not have vehicle damage insurance.
If a car is damaged by a tree in a residential area, the owner can first contact the person responsible for the tree through the property management or community, and negotiate a solution. If the tree manager refuses to compensate, legal channels can be pursued.
Scenario two: A car is damaged by a large tree in a residential area, and the owner has vehicle damage insurance.
If a resident's car is damaged by a falling tree within the residential community, the car owner can first seek 70% compensation for vehicle damage through their insurance company, and should also contact the person responsible for the tree to resolve the remaining 30% of the compensation.
Scenario three: A car parked on a public road is damaged by a tree, and the owner does not have vehicle damage insurance.
The landscaping department has insured every tree along both sides of the road. If a citizen's car is damaged or scratched by a falling tree by the roadside, the car owner can bring the relevant documents to the landscaping department to register, and ultimately receive 95% compensation.
Scenario four: A car is damaged by a tree on both sides of the road, and the owner has vehicle damage insurance.
If a car owner's vehicle is struck by a falling tree due to strong winds, the insurance company may provide compensation of up to 70%, and for the remaining 30%, the car owner can seek compensation from the landscaping department or the department responsible for the tree, and may also seek compensation in accordance with the first scenario.
Ps: Generally speaking, currently, except for earthquakes and their secondary disasters (such as tsunamis), all other natural disasters are covered under the compensation scope.
The above information is hoped to be helpful to the majority of car owners.
It is hoped that drivers whose vehicles have been damaged can receive compensation as soon as possible and redecorate their beloved cars.