Our car was parked in the yard, and something was thrown upstairs and the glass was broken. Can I ask the insurance company for compensation?

Conclusion: it is definitely not possible to protect the car from damage. If the broken glass has separate insurance, you can ask the insurance company to pay for it in some cases.

If there are other parts damaged besides the glass, you can take the claim procedure of car damage insurance. If you can't confirm the responsible party and encounter a parabolic car body at high altitude, report it to the insurance company at the first time. After on-site investigation, it is found that the situation is true, and a certain proportion of compensation will be obtained within the scope of car damage insurance.

Parabolic objects at high altitude only broke the skylight or the front and rear windshield, and the car body was not damaged at all, so the insurance company may not get compensation for car damage, which belongs to the compensation category of separate glass damage insurance. If the owner of the damaged vehicle does not buy this insurance, then the insurance company has the right not to compensate. If the window glass and the car body are damaged together, you can get compensation for car damage insurance.

On the legal level, property management companies should bear certain liability for property losses or personal injuries caused by high-altitude parabolic objects under certain conditions. Because the property management company has the responsibility to manage the public order of the community or maintain the regional order. If the owner fails to perform his responsibilities, causing personal and property safety damage, he shall bear corresponding legal responsibilities according to law. On the other hand, according to Article 87 of the Tort Liability Law of People's Republic of China (PRC), if an object thrown from a building or falling from a building causes damage to others, and it is difficult to determine the specific infringer, the user of the building who may cause damage shall be compensated, except that he can prove that he is not an infringer. In other words, if the perpetrator can't be found in similar accidents, the owner of the damaged vehicle can find two parties to compensate for his demolition losses, one is the property management company in the community, and the other is all the owners in the adjacent buildings who can't prove that they are not infringers.

Then, throwing objects at high altitude only causes limited losses to vehicles, but what if you don't want to take the whole building owner and property management company to court? In this case, in fact, you can take the claim procedure of car damage insurance. If you can't confirm the responsible party and encounter a parabolic car body at high altitude, report it to the insurance company at the first time. After on-site investigation, it is found that the situation is true, and a certain proportion of compensation will be obtained within the scope of car damage insurance.