How to pay for throwing a car at high altitude?

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.

It should also be noted that a single accident cannot be compensated repeatedly. If the responsible party has paid, other insurance can't pay.

Legal basis:

The first paragraph of Article 1254 of the General Principles of Civil Law stipulates that if it is difficult to determine the specific infringer after investigation, the user of the building who may cause harm shall make compensation, unless he can prove that he is not the infringer.

After compensation, the user of the building who may cause damage has the right to recover from the infringer.

Paragraph 2 of Article 1254th stipulates that building managers such as property service enterprises shall take necessary safety measures to prevent the occurrence of the situations specified 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.