1. Strong winds blow down big trees, billboards or foreign objects fall from the roof and damage vehicles parked on the roadside. This is an external object collapse. The insurance clauses have this stipulation for vehicle loss insurance: During the insurance period, if the insured motor vehicle suffers direct losses due to "falling or collapsing of external objects", the insurer will be responsible for compensation in accordance with the provisions of this insurance contract, which falls within the scope of liability of vehicle loss insurance. . However, in the case of natural disasters and extremely severe weather, vehicle loss insurance generally has a deductible of about 30%, which means that for car owners who have vehicle loss insurance, the insurance company will compensate 70% of the loss amount. \x0d\ If in windy weather, the tree is blown down first and then the vehicle hits it, it is a collision. According to the insurance terms, during the insurance period, the insured or his permitted legal driver causes direct losses to the insured motor vehicle due to "collision" while using the insured motor vehicle, and the vehicle has also purchased vehicle loss insurance. , and during the insurance period, the insurance company shall compensate according to the contract. \x0d\2. If a tree is blown down by strong winds and a private car is damaged, the car owner should first call to report the insurance and wait for the insurance company's claims adjuster to conduct an on-site inspection. At this time, be sure to protect the scene and avoid moving cars or trees, because an important reference for insurance companies to settle claims is the adjuster's "on-site photos". If the scene is damaged or changed, a claim may be made. The process causes trouble. \x0d\If environmental sanitation or other departments want to clear away the broken trees but the claims adjuster has not yet arrived at the scene, the car owner can negotiate with the relevant departments and wait for the claims adjuster to conduct an on-site investigation before moving the car. On the other hand, the car owner can immediately negotiate with the insurance company to coordinate whether he can take photos and keep the certificate first, and then move the car after obtaining the insurance company's consent. \x0d\3. It is not advisable to force a crushed vehicle to drive away. If a vehicle is hit by a large tree, it is recommended that the owner not to move it on his own. Non-professional rescue can easily cause secondary damage to the vehicle body. The relevant person in charge of the Chancheng Garden Management Office reminded that the branches and leaves of large trees are relatively heavy, and driving away forcibly will cause secondary damage to the vehicle. Some insurance personnel said that increased losses due to improper rescue by the car owner are not covered by the insurance.