Are you still feeling the lingering fear from yesterday's typhoon "Mangkhut"? But I bet more people are now heartbroken over their cars being crushed by fallen trees, right? So, if your car is damaged after the typhoon, how should you claim compensation? Opinions vary on this issue—some say you can get compensated, others say you can't. What's the real story? Zhiming lawyers will explain it 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 while parked in a residential area, the owner can first claim 70% compensation from the insurance company through vehicle damage insurance, and also contact the person responsible for the tree to settle the remaining 30% 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 on both sides of the road. If a citizen's car is damaged or scratched by a tree on the roadside, the owner can go to the landscaping department with relevant documents 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 hit by a large tree due to strong winds, the insurance company can provide up to 70% compensation, and the remaining 30% can be claimed from the landscaping department or the tree's responsible authority, or compensation can also be sought according to 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.