How to compensate for the car being hit by a falling object when it is parked in the community?

Article 126 of the General Principles of the Civil Law of People's Republic of China (PRC): If a building or other facilities and the things laid on or hung on the building collapse or fall off or cause damage to others, its owner or manager shall bear civil liability, except that he can prove that he is not at fault.

Who is responsible for compensation: based on the infringement relationship, seek compensation from the 24 th floor owner; Seek compensation from the insurance company based on the insurance relationship. If the insurance company is required to pay compensation, the insurance company has the right of recourse after compensation and cannot give up the claim against the owner; If the insurance company's compensation is less than the actual loss, you can still ask the owner for compensation.

As for the amount of compensation: if the owner is the object of compensation request, the amount of compensation is the loss caused by the infringement; Where an insurance company is the object of claim settlement, the insurance contract shall prevail.

One way to bear civil liability is to restore the original state. Since your car is new, of course you can exchange the broken one for a new one.

Extended data:

key component

1, the objective existence of damage facts. Damage means that the rights of civil subjects are adversely affected by certain acts or events. The subject of rights can only ask for legal relief if it is damaged;

2. Illegality of the act. Refers to the violation of the prohibition or mandatory provisions of the law. Unless otherwise provided by law, the actor should only bear legal responsibility for his own illegal acts;

3, the causal relationship between illegal behavior and damage facts. As an important element of civil liability, causality refers to the inevitable connection between the actor's behavior and its object and the fact of damage;

4. The actor's fault. The fault of the actor is the psychological state of the actor when he commits an illegal act, and it is a subjective element that constitutes civil liability.

References:

Baidu Encyclopedia-Civil Liability