Is Lightning Strike Covered by Car Insurance?
2 Answers
Lightning strike falls under the coverage of vehicle damage insurance. You can normally file a claim with the insurance company by reporting the incident and requesting an inspection for damage assessment to receive compensation. The coverage scope of vehicle damage insurance includes: During the insurance period, the insurer shall be liable for compensation according to the terms of the insurance contract for the loss of the insured vehicle caused by the following reasons while being used by the insured or their permitted legal drivers: (1) Collision, overturning, or falling; (2) Falling or collapse of external objects; (3) Storm or tornado; (4) Lightning strike, hailstorm, torrential rain, flood, or tsunami; (5) Ground collapse, ice collapse, cliff collapse, avalanche, mudslide, or landslide; (6) Natural disasters affecting the ferry carrying the insured vehicle (limited to situations where the driver is on board).
As an old hand who frequently deals with cars, I've come across several cases of vehicles being struck by lightning. Generally speaking, if a car is fully insured, most insurance companies classify lightning strikes as natural disasters or accidental events, with a high likelihood of claim approval. I remember one case where a client's car was struck by lightning, frying the entire electrical system. He checked the details on his policy, filed a claim directly, and after an on-site inspection by the insurer, the full repair costs were covered. However, if you only have third-party liability or basic insurance, such damage usually isn't covered, leaving you to foot the bill. I advise car owners to regularly review their policy types, especially checking for 'natural disaster coverage' clauses. Also, avoid parking under trees or in open areas during thunderstorms to prevent greater losses. When filing a claim, act quickly—take photos and videos as evidence, and don't delay to avoid missing the window, as insurers might use excuses to deny claims. In short, it all depends on your insurance choices—don't wait until an accident happens to regret your decisions.
