Insurance companies compensate for vehicles damaged by natural disasters, provided that the car owner has purchased vehicle damage insurance. Vehicle damage insurance primarily covers the car; if the damage is caused by a natural disaster, the losses can be compensated by the insurance company through this insurance. Natural disasters refer to natural variations on Earth, including those induced by human activities, which occur constantly and everywhere. When these variations cause harm to human society, they constitute natural disasters. Regarding insurance considerations when a vehicle suffers from natural disasters: 1. If the claim hotline is unreachable: First, find the nearest insurance company's loss assessment center staff to take photos. If the vehicle is at a repair shop, dismantling and loss assessment can proceed simultaneously. If the claim time is exceeded due to unreachable hotlines, the insurance company will handle it as a special case. 2. Whether standalone glass damage is compensable: If vehicle glass is broken due to heavy rain, and only the front, rear, or four-door glass is damaged without standalone glass damage insurance, the insurance company is exempt from compensation. However, if the body is also damaged, all losses will be compensated. 3. Comprehensive insurance does not include water damage insurance: Relevant personnel from insurance companies state that water damage insurance is not included in comprehensive insurance. Therefore, even if the owner has purchased full coverage, damage to the vehicle's engine caused by water immersion will not be compensated by the insurance company. 4. No compensation for engine damage caused by forced start after water immersion: Insurance companies do not compensate for engine damage caused by the owner's operational error of forcibly starting the engine, even if water damage insurance is purchased. 5. Do not clean the vehicle before loss assessment: After a vehicle insurance incident, immediately protect the scene, rescue the injured and property, retain relevant evidence, and report to the traffic management department of the public security authority.
