Does Car Insurance Cover Natural Disasters?
1 Answers
Natural disasters other than earthquakes are covered, provided that car insurance has been purchased. Covered events under car insurance claims include: fire, lightning, hurricanes, typhoons, storms, tornadoes, heavy rain, floods, hail, landslides, avalanches, volcanic eruptions, ground subsidence, etc. Vehicles damaged by earthquakes are mostly not covered under car insurance claims. Below is a detailed introduction to commercial vehicle insurance: Collision Insurance: Covers losses due to natural disasters and accidents that damage the vehicle itself. Recommended for new drivers. Third-Party Liability Insurance: Covers losses caused by the policyholder to third-party personal injuries or fatalities. This is a must-have for both personal and others' protection. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing the policyholder's loss. It is advisable to purchase this if both Collision Insurance and Third-Party Liability Insurance are bought. Theft Insurance: Covers damages caused by theft, robbery, or hijacking of the vehicle. Recommended for owners without a garage. Passenger Liability Insurance: Covers losses suffered by the driver and passengers due to traffic accidents. Premiums are usually charged per seat. Recommended for new drivers or family vehicles. Spontaneous Combustion Insurance: Covers losses due to fires caused by vehicle electrical or wiring issues. Suitable for older vehicles. Glass Breakage Insurance: Covers standalone damage to windshield or window glass. Since glass replacement is expensive, it is recommended for vehicles frequently driven in unsafe areas. Scratch Damage Insurance: Covers losses caused by intentional, malicious, or accidental scratches on the vehicle body.
