Can I file an insurance claim for vehicle damage caused by a typhoon?
1 Answers
Insurance can cover vehicle damage caused by typhoons. The details are as follows: 1. Covered scenarios: Damage caused by typhoons mainly falls into two categories: damage from falling objects and water ingress. (1) Collision insurance: Covers vehicles damaged by typhoon-related falling objects or trees, with compensation up to 95%. (2) Water ingress insurance: If the vehicle is submerged while parked, collision insurance applies. If the engine is damaged due to water ingress while driving, water ingress insurance applies, typically covering 80%-85% of the damage. Note: If the engine is forcibly started by the owner despite knowing the risks, no compensation will be provided. (3) Glass damage insurance: Specifically covers broken glass. 2. Non-covered scenarios: While natural disasters are generally covered, insurers will not be liable for secondary damage as per the insurance contract.