How can the insurance company pay for the car crash caused by strong wind?

1, strong winds blow down trees, billboards or foreign objects falling from the roof and hit vehicles parked on the roadside, which is a foreign object collapse. There is an agreement on vehicle loss insurance in the insurance clause: during the insurance period, the insurer is responsible for the compensation for the direct loss caused by the "falling or collapse of foreign objects" of the insured motor vehicle, which belongs to the scope of vehicle loss insurance. However, in the case of natural disasters and extreme weather, the vehicle loss insurance generally has a deductible of about 30%, which means that the owner of the vehicle loss insurance will receive 70% of the loss compensation from the insurance company. \x0d\ In windy weather, if a tree is blown down first and then hit by a vehicle, it is a collision. According to the insurance clauses, during the insurance period, the insured or its licensed legal driver caused direct losses of the insured motor vehicle due to "collision" during the use of the insured motor vehicle, and the vehicle also purchased vehicle loss insurance. During the insurance period, the insurance company made compensation according to the contract. \x0d\2。 If the strong wind blows down the trees and damages the private car, the owner should call the police first and wait for the claim adjuster of the insurance company to conduct on-site investigation. At this time, it is necessary to protect the scene and avoid moving cars or trees, because an important reference for insurance companies to make claims is the "scene photos" of the claim adjusters. If the scene is damaged or changed, it may bring trouble to the claim settlement process. \x0d\ If the sanitation department or other departments want to clean up the broken trees and the claim adjuster has not arrived at the scene, the owner can negotiate with the relevant departments on the one hand and wait for the claim adjuster to conduct on-site investigation before moving the car. On the other hand, car owners can immediately negotiate with the insurance company to coordinate whether they can take photos, leave a license and move the car after obtaining the consent of the insurance company. \x0d\3。 It is not advisable to drive away the crushed vehicle by force. The vehicle was hit by a tree, so the owner is advised not to move by himself. Unprofessional rescue can easily lead to secondary damage to the car body. The relevant person in charge of the Chancheng Garden Management Office reminded that the big branches and leaves are relatively heavy, and forcibly driving away will lead to secondary damage to the vehicle. Some insurance personnel said that the loss increased due to improper rescue by the owner, which was not within the scope of insurance compensation.