Does Vehicle Insurance Cover Natural Disasters?
2 Answers
Natural disasters fall under the coverage of vehicle damage insurance, so insurance companies will provide compensation. If you have purchased vehicle damage insurance, most vehicle damages caused by natural disasters can be claimed, including storms, tornadoes, lightning strikes, hail, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides, and more. Below is more information about vehicle damage insurance: After the 2020 auto insurance comprehensive reform, vehicle damage insurance has expanded to include coverage for vehicle theft, glass breakage, spontaneous combustion, engine water damage, no-deductible clauses, and third-party special agreements. Therefore, even if your vehicle's window glass is damaged due to a natural disaster, you can still file a claim under vehicle damage insurance.
Last year during a typhoon, my car got hit by a tree, and the insurance company actually paid for it! Actually, it depends on whether you have purchased vehicle damage insurance, which is now basically included. For common disasters like heavy rain, hail, or floods, as long as you have vehicle damage insurance, they are usually covered. Remember to keep photos of the scene and weather proof. However, for major disasters like earthquakes or tsunamis, some insurance companies might try to avoid responsibility, so it's best to confirm the terms when buying insurance. A friend of mine had his car submerged in water and tried to restart the engine, and the insurance company directly refused to pay—this is something to be very careful about. In case of natural disasters, don’t worry too much about the car; personal safety is the most important. Deal with the claim after evacuating.
