What to Do If a Typhoon Damages Your Car?
2 Answers
Compensation can be obtained through auto damage insurance. Most damages caused by typhoon weather can be covered by auto damage insurance. When a typhoon approaches, pay attention to where you park your car. If parked outdoors, the vehicle may be damaged by objects blown by strong winds. In such cases, you can claim compensation using the 'right of subrogation'. If your car is crushed by a tree blown down during a typhoon, there's no need to panic. This type of damage falls under the scope of auto damage insurance, and the insurance company will provide compensation.
Last month, my car was damaged by a typhoon, leaving a large dent on the roof and broken glass. I immediately called 110 to report the incident and file a police record. The traffic police arrived and issued an accident confirmation document, which is crucial because insurance companies won't process claims without it. Then, I contacted my insurance company to file a claim. They sent someone to take photos and assess the damage. Since I had purchased comprehensive car insurance, the typhoon damage was covered. However, I had to bear the deductible, usually around 10%. When the car was towed to the 4S shop for repairs, the mechanic said that during typhoons, vehicles are most at risk of water damage. Being hit by debris is actually simpler to fix—just replace the roof and glass. Now, whenever there's a typhoon warning, I move my car to the top floor of a multi-story parking garage. Paying a bit more for parking is much better than dealing with costly repairs.
