What to Do When Your Vehicle Is Damaged Due to Weather Conditions?
1 Answers
If your vehicle is damaged due to weather conditions, you may file an insurance claim depending on the situation. Generally, auto insurance policies exclude coverage for damages caused by earthquakes; wars, military conflicts, terrorist activities, riots, seizures, confiscations, impoundments, or government requisitions; nuclear reactions, nuclear contamination, or nuclear radiation; impacts or corrosion from cargo carried by the vehicle; spontaneous combustion or fires of unknown origin. Additional Information: Losses caused by earthquakes and their secondary disasters are not covered under natural disaster provisions, but other natural disasters besides earthquakes may be eligible for compensation. For example, vehicle damages caused by the heavy rain disaster in Beijing on July 21, 2020, were eligible for claims. The total insurance payout for this event in Beijing was nearly 400 million yuan.