Does Auto Insurance Cover Natural Disasters?
2 Answers
Auto insurance covers natural disasters except for earthquakes. Below are the specific details of auto insurance coverage: 1. Exclusions: (1) Earthquakes are not covered: In auto insurance products, most insurance companies list earthquakes as an exclusion clause. Vehicles damaged by earthquakes are mostly not covered under auto insurance claims. Due to the extensive scope and high compensation amounts involved in earthquake disasters, which exceed the claims handling capacity of insurance companies, the China Insurance Regulatory Commission has uniformly stipulated nationwide to treat them as exclusions, meaning that property losses caused by earthquakes will not be compensated by insurance companies. (2) Some property insurance does not cover: Due to the destructive nature of earthquakes, vehicles crushed under collapsed buildings cannot be claimed, so property insurance does not provide compensation. 2. Coverage: Includes fire, explosion, lightning, hurricane, typhoon, storm, tornado, heavy rain, flood, hail, landslide, avalanche, volcanic eruption, ground subsidence, etc.
To be honest, I've been driving for over a decade and encountered several natural disasters, like when heavy rain flooded the parking lot and my car got submerged. Whether car insurance covers natural disasters depends mainly on the type of coverage you've purchased. Comprehensive insurance typically includes floods and typhoons, but earthquakes might not be covered unless you've specifically added an endorsement. That time my car was flooded, the repair costs were reimbursed through comprehensive coverage. I suggest you check your policy immediately to see which company insures you, as terms vary between providers. Don’t wait until something happens to review it—make it a habit to verify the details periodically, just in case. This stuff is really important; getting it wrong could mean wasted money and even safety risks. If you're unsure, just call your insurer’s customer service—they’ll explain everything clearly, so don’t guess on your own.
