Does the high-altitude parabolic insurance company claim?

Legal analysis: During the insurance period, objects in the insured house are falling from high altitude, including objects in the insured house, exclusive rooftop and courtyard of the house, and air-conditioning outdoor unit used in the insured house, resulting in personal injury to a third party or direct loss of property. The insured shall be liable for economic compensation according to law, and the insurer shall be responsible for compensation within the compensation limit according to the provisions of the insurance contract for falling objects from high altitude. During the insurance period, a falling object accident occurred in the building to which the insured house belongs, causing personal injury to a third party or direct property loss. Since the injurer cannot be determined, after the victim files a lawsuit against all or part of the relevant residents of the building, the insurer shall share the economic compensation liability that the court ruled should be borne by the insured according to law, and the insurer may also be responsible for compensation within the compensation limit according to the provisions of the insurance contract for falling objects from high altitude. With the written consent of the insurer, the insurer is also responsible for compensation for the litigation expenses and other expenses paid by the insured for the above reasons, but the sum of the expenses and the amount of liability compensation is limited to the compensation limit of the falling object insurance contract specified in the insurance policy.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 184 If the property of another person is infringed, the property loss shall be calculated according to the market price at the time of the loss or other reasonable methods.

Article 119 Operators, managers or organizers of mass activities in hotels, shopping malls, banks, railway stations, airports, stadiums, entertainment places and other business places shall bear tort liability if they fail to fulfill their security obligations and cause damage to others.

If the behavior of a third party causes damage to others, the third party shall bear the tort liability; Operators, managers or organizers who fail to fulfill their security obligations shall bear corresponding supplementary responsibilities. Operators, managers or organizers may claim compensation from a third party after assuming supplementary responsibilities.

Article 1254th it is forbidden to throw objects from buildings. If an object thrown from a building or an object falling from a building causes damage to others, the infringer shall bear tort liability according to law; If it is difficult to determine the specific infringer after investigation, in addition to being able to prove that he is not an infringer, the user of the building who may cause harm shall be compensated. After compensation, the user of the building who may cause damage has the right to recover from the infringer.

Property service enterprises and other building managers shall take necessary safety measures to prevent the occurrence of the situations mentioned 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.

In case of the circumstances specified in the first paragraph of this article, the public security organ and other organs shall promptly investigate and find out the responsible person according to law.