Does Insurance Cover Natural Disasters for Cars?

[OSamantha]

Insurance does cover natural disasters for cars. 1. Introduction: Under the exclusions of vehicle damage insurance, Article 6 of the exclusions states that the insurer is not responsible for compensation in cases of earthquakes and their secondary disasters. However, for incidents such as falling or collapsing external objects; storms, tornadoes; lightning strikes, hail, heavy rain, floods, tsunamis; ground collapse, ice collapse, cliff collapse, avalanches, mudslides, and landslides, compensation will be provided as long as the policyholder has vehicle damage insurance. 2. Special Provisions: If only the glass (especially the sunroof) is damaged, then having only vehicle damage insurance will not provide any compensation. You need to have glass insurance for corresponding coverage. However, if both the car body and the glass are damaged simultaneously, even if the vehicle is not insured for glass damage, as long as vehicle damage insurance is in place, the car owner can negotiate with the insurance company for compensation for the glass damage.