How to claim for falling objects and hitting cars?

1. If the vehicle is damaged by falling objects from high altitude, the owner, manager or user of the falling objects shall bear the tort liability;

2. The victim shall demand compensation from the owner, manager or user of the building where the object falls;

3. If the specific infringer cannot be determined, in addition to being able to prove that he is not an infringer, the user of the building who may cause harm will make compensation.

The car was damaged by falling objects, mainly because the insurance clause stipulates that the loss of the insured motor vehicle shall be compensated by a third party, with 30% exemption, and this 30% shall be compensated by the person in charge of waterproof linoleum on the roof. I suggest that you can negotiate with the loss adjuster of the insurance company and ask him to increase the amount of loss, so as to minimize your economic loss after exempting 30%. Or you can ask the insurance company for subrogation compensation when you can determine who is responsible for the roof waterproof linoleum, and the insurance company will be responsible for helping you recover that part of the loss.

For example, in insurance claims, accidents often occur that vehicles or people are injured because flowerpots or other objects fall upstairs. As a liability accident, we must first identify the responsible party. In this case, the responsible party was identified as a property company, so it should be compensated by the property company. If a property company has purchased property liability insurance for the property under its jurisdiction, it can make compensation through property liability insurance.

If the responsible party cannot be identified in the event of an accident, it will be settled by the car damage insurance in the auto insurance. According to the car damage insurance clause, during the insurance period, the insurance company will compensate the insured or its authorized legal driver for the parallel fall of the insured vehicle due to the collapse or fall of external objects during driving. When the responsible party cannot be determined, the car body is damaged by falling objects. If the owner has purchased car damage insurance, he can immediately report the case to the insurance company, and after the on-site investigation is true, he can make compensation within the scope of car damage. In addition, if these falling objects only break the windshield of the car alone, and other parts are safe and sound, it depends on whether the owner has purchased the glass breakage insurance alone, because the windshield damage alone is not covered by the car damage insurance. If you don't buy this insurance, the insurance company won't compensate.

Family liability insurance is a new type of family property insurance, which covers the civil liability of the insured or his family members for personal injury or property loss to a third party due to accidents. If the flowerpot on your balcony falls and hurts people or things, it is the responsibility of the owner, and the insurance company will "pay" for it.

What is the insurance company's claim process for falling objects?

1, take a photo and leave a certificate. If the car is damaged by falling objects, you must protect the scene so that the auto insurance company can investigate and collect evidence during the investigation;

2. The Claims Commissioner will conduct on-site investigation. After the car is damaged by falling objects, the insurance company will conduct on-site investigation to find the responsible person;

3. After finding the responsible person, communicate with the responsible party to make a claim, and the auto insurance company insured by the owner will inform the responsible person of the compensation fee according to the damage result;

If the car is damaged by falling objects, some auto insurance companies will ask the owner to take responsibility.

To sum up, it is Bian Xiao's answer about how to claim compensation for falling objects and hitting cars from high altitude. I hope it will help you.

Legal basis:

Article 1254 of the Civil Code of People's Republic of China (PRC).

It is forbidden to throw objects from buildings. If an object thrown from a building or an object falling from a building causes damage to others, the infringer shall bear tort liability according to law; If it is difficult to determine the specific infringer after investigation, in addition to being able to prove that he is not an infringer, the user of the building who may cause harm shall be compensated. After compensation, the user of the building who may cause damage has the right to recover from the infringer.

Property service enterprises and other building managers shall take necessary safety measures to prevent the occurrence of the situations mentioned in the preceding paragraph; Those who fail to take necessary security measures shall bear the tort liability for failing to fulfill their security obligations according to law.

In case of the circumstances specified in the first paragraph of this article, the public security organ and other organs shall promptly investigate and find out the responsible person according to law.