Will Insurance Cover a Car Struck by Lightning?

1 Answers
OKinsley
07/30/25 8:43am
Insurance will cover a car struck by lightning. The relevant explanations are as follows: Introduction: Lightning strikes, hailstorms, rainstorms, floods, and tsunamis fall under the insurance liability. Article 4 of the insurance liability states: During the insurance period, if the insured vehicle suffers loss due to the following reasons while being used by the insured or an authorized driver, the insurer shall be responsible for compensation according to the terms of the insurance contract. Additional Notes: Scope of compensation: Collision, overturning, falling; falling or collapse of external objects; storms, tornadoes; lightning strikes, hailstorms, rainstorms, floods, tsunamis; ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides.
Was this review help?
20
3
Share
More Forum Discussions

What is China VI Emission Standard Equivalent to?

China VI emission standard is equivalent to China 6, which is divided into two phases: China 6a and China 6b. China 6a serves as a transitional phase, while China 6b represents the true China 6 emission standard. Taking gasoline vehicles as an example, China 6a standard is a slight improvement over China 5, mainly targeting CO emissions and PN particulate matter. The China 6b standard is significantly more stringent. Automotive exhaust emission standards regulate the content of harmful gases such as carbon monoxide, PM, and soot emitted from vehicle exhaust. The transition from China 5 to China 6 involves improvements in intake and exhaust efficiency, exhaust gas recirculation efficiency, etc., to achieve the goal of reducing harmful gas emissions.
5
5
Share

Does the XT5 have a spare tire?

The XT5 does not come with a spare tire. This vehicle is equipped with run-flat tires across all models, ensuring that even if minor issues occur with the car or tires, it can still be driven to a repair facility. The advantage of run-flat tires is that they allow the car to continue driving normally even without tire pressure. Even if the tire completely loses pressure, the vehicle can maintain a speed of up to 80 km/h and continue driving for approximately 150 km. The XT5 is a luxury SUV under the Cadillac brand, with body dimensions of 4812mm in length, 1903mm in width, and 1680mm in height, and a wheelbase of 2857mm. The Cadillac XT5 features comprehensive active safety warnings and assistance functions, including intelligent active cruise control, front and rear collision warnings, preventive braking systems, lane departure warnings, lane keeping assistance systems, all-around blind-spot radar monitoring systems, and lane change assistance.
2
0
Share

What are the differences between the Vellfire and the Alphard?

The differences between the Vellfire and the Alphard are: 1. Different exterior designs: The Vellfire appears more fashionable and sporty; the Alphard looks more fierce and aggressive. 2. Different driving modes: The Vellfire supports switching between sport and eco driving modes; the Alphard only supports eco driving mode. 3. Different rear suspensions: The Vellfire has a double-wishbone independent rear suspension; the Alphard has a double-wishbone independent rear suspension. 4. Different grilles: The Vellfire's front grille features a layered arrangement with upper and lower sections connected, and the sport version adopts a large-sized horizontal grille; the Alphard uses an exaggerated "big fang" grille, with chrome trim strips extending into the headlights. 5. Different headlights and taillights: The Vellfire adopts split-type headlights and taillights; the Alphard uses integrated ones.
18
2
Share

What brand of transmission does the Ford Edge use?

Ford Edge uses an 8AT transmission jointly developed by Ford and General Motors. The transmission, also known as a gearbox, is an automotive component used to alter the speed and torque from the engine, and can fix or change the gear ratio between the output and input shafts. The transmission consists of a gear transmission mechanism and a control mechanism, with some vehicles also featuring a power output mechanism. It can be categorized into stepped, continuously variable, and integrated transmissions. The Ford Edge is positioned as a compact SUV and is the first model under Ford China's 2.0 strategy. In terms of interior design, the vehicle adopts a design style similar to Ford's next-generation products, including a symmetrical center console design, an 8-inch floating central control screen, inverted trapezoidal air vents, and a rotary gear shift mechanism.
12
0
Share

What does 'Please check the engine management system' mean?

Please check the engine management system refers to the need to inspect the engine to see if there is a fault in the emission system or a problem with the oxygen sensor. The owner needs to go to the 4S shop to read the fault code and find out the specific cause. An engine is a machine that can convert other forms of energy into another form of energy, usually converting chemical energy into mechanical energy. The car engine is the device that provides power for the car, determining the car's power, economy, stability, and environmental protection. According to different power sources, car engines can be divided into diesel engines, gasoline engines, electric vehicle motors, and hybrid power, etc.
16
5
Share

How to Identify the Vehicle Manufacturing Date?

To identify the vehicle manufacturing date, you can check the Vehicle Identification Number (VIN). The 10th character of the VIN indicates the production year (manufacturing date) of the vehicle. Digits 0 to 9 represent the years 2000 to 2009, while letters A to C represent the years 2010 to 2012. The VIN is typically composed of 17 alphanumeric characters, serving as a unique identifier for the vehicle, much like an ID card. Through its combination of numbers and letters, the VIN ensures that no two vehicles of the same model will have the same number within a 30-year period, providing a unique identification for each vehicle. The VIN consists of three parts: 1. The first part is the World Manufacturer Identifier (WMI); 2. The second part is the Vehicle Descriptor Section (VDS); 3. The third part is the Vehicle Identifier Section (VIS).
16
1
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.