Does Insurance Cover Vehicle Damage from Natural Disasters?
2 Answers
Whether auto insurance covers natural disaster damage depends on specific circumstances. For example, earthquakes are typically not covered, while tsunamis may be. Below is relevant information about motor vehicle insurance: 1. Definition of Motor Vehicle Insurance: Motor vehicle insurance (commonly called auto insurance) refers to commercial insurance that provides liability coverage for personal injuries or property damage caused to motor vehicles by natural disasters or accidents. 2. Development of Motor Vehicle Insurance: The substantial development of motor vehicle insurance occurred after World War II. On one hand, the popularity of automobiles made road accidents a widespread social hazard; on the other hand, many countries made third-party liability insurance compulsory for various motor vehicles including automobiles. Consequently, motor vehicle insurance has become universally significant in the global insurance industry.
My car was once submerged in floodwaters, and I initially thought the insurance company wouldn't cover it. Surprisingly, they did. I had comprehensive car insurance, which covers many natural disasters, including typhoons and floods. The key is having this coverage—if you only have compulsory third-party liability insurance, they really won't pay. Every time a disaster strikes, I’ve learned my lesson: first, check the weather forecast in advance and park on higher ground; second, take photos as evidence and contact the insurance company immediately to file a claim. They usually send someone to inspect and assess the damage, and the process is quite smooth. However, earthquakes might be an exception—some policies require additional clauses. I recommend all car owners regularly review their policies to avoid being caught off guard like I was the first time. That repair cost me 20,000 RMB, but the insurance covered it, which was a huge relief. From now on, I’ll be even more careful during disaster seasons.
