Does Auto Insurance Cover Natural Disasters?

1 Answers
DelColton
07/30/25 7:24am
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.
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