Will the insurance premium increase due to hail damage?

In recent times, extreme weather has appeared in many parts of the country, causing varying degrees of damage to some vehicles. In the face of losses caused by natural disasters, can insurance companies provide compensation? Will insurance premiums increase next year? "According to the terms of motor vehicle loss insurance, if the insured or the driver of the vehicle experiences direct loss due to natural disasters or accidents during the insurance period, as long as it is not within the scope of exemption, the insurance company will compensate according to the contract," said Yu Zhongbo, Deputy General Manager of the Claims Service Department of Sunshine Property Insurance Company. As for the issue of insurance premiums, industry insiders suggest that car insurance premiums include compulsory and commercial insurance. In the case of accidents caused by natural disasters such as hail or heavy rain, if compensation is made through self-vehicle damage insurance, it will only affect the fluctuation of commercial insurance.