Is Lightning Damage to a Car Covered by Insurance?

[AdalineLee]

Lightning damage to a car is covered by insurance. Lightning strikes, hailstorms, heavy rain, floods, and tsunamis fall under the insurance liability as stated in Article 4 of the insurance policy. During the insurance period, if the insured vehicle suffers damage due to the following reasons while being used by the insured or an authorized driver, the insurer is responsible for compensation according to the terms of the insurance contract. Additional information about auto damage insurance is as follows: 1. The coverage of auto damage insurance includes: During the insurance period, if the insured vehicle suffers damage due to the following reasons while being used by the insured or an authorized legal driver, the insurer is responsible for compensation according to the terms of the insurance contract. 2. Compensation scope: Collision, overturning, falling; falling or collapsing of external objects; storms, tornadoes; lightning strikes, hailstorms, heavy rain, floods, tsunamis; ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides; damage to the insured vehicle while being transported on a ferry due to natural disasters (only applicable when the driver is on board).