Will insurance companies compensate for typhoon-damaged vehicles?

[MacSamantha]

If, in addition to compulsory traffic insurance, commercial insurance is also purchased and it includes vehicle damage insurance, the insurance company will compensate according to natural disasters. Here are the relevant details: 1. Glass damage: Compensation can be obtained through vehicle damage insurance. Most damages caused by typhoon weather can be compensated through vehicle damage insurance. If a vehicle is hit by falling objects from high altitudes, resulting in window glass damage, compensation can still be obtained through vehicle damage insurance even if the vehicle is not insured for glass damage. However, insurance companies generally do not compensate for vehicles where only the glass is damaged while other parts remain intact. 2. Parking damage: "Subrogation right" can be utilized. During a typhoon, extra caution is needed when parking vehicles. If parked outdoors, vehicles may be damaged by strong winds or falling objects. If parked in an underground parking lot, it is important to stay alert to emergency notices from the property management and move the vehicle at an appropriate time.

[Holden]

Last year during a typhoon, my car was damaged by falling branches, and the insurance company directly covered the repair costs because they said the comprehensive car insurance includes natural disasters like typhoons. The key is to report the incident promptly, ideally within 24 hours, and take photos as evidence. Delaying can lead to disputes. For daily parking, avoid parking under large trees or in low-lying areas during typhoon weather. My neighbor didn’t handle it in time and ended up being denied compensation due to insufficient evidence. I recommend everyone review their policy terms in advance to ensure coverage for such unexpected events and avoid further losses.

[SanJeremiah]

As an enthusiast who frequently discusses car insurance, I believe whether typhoon damage is covered mainly depends on your insurance type. Comprehensive coverage typically includes natural disasters, such as damage caused by strong winds or floods, but engine flooding requires additional water damage coverage. I recommend everyone check their policies before the rainy season, secure parking locations (e.g., avoid high-risk flood zones), and file claims promptly. The claims process requires complete evidence like on-site photos and police reports, otherwise insurers may find excuses to deny payment. In the long run, investing in a garage reduces risks and proves more cost-effective than frequent claims.

[Lewis]

I've been driving for decades and have encountered multiple typhoon damage cases. Insurance generally covers it as long as you have comprehensive coverage. I remember the big typhoon in 1988 - my neighbor's old car got submerged. He immediately contacted the insurance company, they sent someone to inspect it, and then reimbursed the repair costs. The key is not to wait too long after an incident - the faster you report it, the smoother the process. A lesson I learned when I was younger: be extra careful when driving in rain, and always choose higher ground for parking. Simply put, don't worry about insurance companies not paying - just follow the procedures.

[KylieFitz]

During the typhoon season, I checked my insurance app on the phone and confirmed that my auto damage insurance covers natural disasters, meaning I can claim compensation if my car is damaged. Just open the app, upload photos of the scene and a brief description of the incident, and the claims adjuster will assess it remotely, with the process being quite fast. However, it's important to note that you shouldn't restart the engine after water ingress, otherwise the claim might be denied. Friends have been discussing this and suggest adding water ingress insurance for more security. Before the typhoon, I moved my car to a higher parking lot, avoiding a lot of trouble. Doing this regularly saves money and gives peace of mind.