Will insurance companies compensate for typhoon-damaged vehicles?
2 Answers
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.
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.
