Does Vehicle Insurance Cover Natural Disasters?
2 Answers
It depends on the specific situation. Here is the relevant introduction about vehicle insurance: 1. Concept: Vehicle insurance, also known as motor vehicle insurance or auto insurance, is referred to as car insurance. 2. Classification of car insurance: Commercial insurance is an indefinite value insurance, divided into basic insurance and additional insurance, among which additional insurance cannot be independently insured. Basic insurance includes third-party liability insurance and vehicle damage insurance (car damage insurance); additional insurance includes full vehicle theft insurance (theft insurance), on-board liability insurance, no-fault liability insurance, cargo dropping liability insurance, glass breakage insurance, vehicle stoppage loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and no-deductible special insurance.
I just started learning to drive not long ago and bought my own car, also researched insurance. Natural disasters like floods, earthquakes, or storms are usually covered, but only if you have comprehensive insurance. Basic liability insurance only covers damage to others, not your own car. Natural disasters are common coverage items in comprehensive insurance, but the details vary from person to person, so you need to carefully read the policy terms and don’t overlook the deductible part. When buying insurance, make sure to ask clearly which disasters are covered—some areas require additional coverage for earthquakes. If a disaster strikes, take photos of the car damage immediately and contact the insurance company without delay. I’ve seen friends miss the claim deadline due to procrastination. Remember, besides safe driving, parking location is also crucial—try to avoid low-lying areas to reduce risks.
