Can Car Insurance Cover Natural Disasters?

1 Answers
WillowLee
07/30/25 7:17am
Natural disasters fall within the coverage scope of vehicle damage insurance, so insurance companies will provide compensation. Most vehicle damages caused by natural disasters are claimable, including storms, tornadoes, lightning strikes, hailstorms, heavy rains, floods, tsunamis, ground collapses, ice collapses, cliff collapses, avalanches, mudslides, landslides, etc. Below is relevant information about vehicle damage insurance: Basic Concept: Vehicle damage insurance is a type of commercial auto insurance where the insurer compensates for damages to the insured vehicle caused by accidents occurring while the insured or an authorized driver is using the vehicle, within reasonable limits. Insurance Premium Discounts: The new policy also establishes 12 levels of auto insurance rate adjustments based on the previous year's claim records, with dynamic adjustments made according to the previous year's claims. The highest level is Level 12, where the insurance premium will be adjusted to 200%; the lowest level is Level 1, where the insurance premium will be adjusted to 50%.
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