Does Insurance Cover Water-Damaged Cars from Rain?
1 Answers
Insurance companies will provide compensation for cars damaged by rain-induced flooding. Here are specific details about the exclusions under auto damage insurance: Earthquake Exclusion: Following the common practice where most property insurances do not cover earthquake liabilities, auto insurance clauses also exclude earthquake responsibilities despite covering most natural disasters. Mental Distress Exclusion: Most insurance policies stipulate that insurers lack a standardized method to assess mental injury claims. Any mental compensation claims arising from insured incidents are considered exempt from liability. Drunk Driving Exclusion: Drivers who operate vehicles under the influence are not legally qualified to drive, constituting a severe violation of traffic laws. Additionally, insurers will deny claims in cases where the driver's license does not match the vehicle type or if driving on highways during the probationary period, among other scenarios.