Will Insurance Cover a Car Struck by Lightning?

[RyderLynn]

Insurance will provide compensation for a car struck by lightning. Situations such as a tree or billboard being blown down by strong winds, or foreign objects falling from rooftops damaging parked vehicles, are classified as external object collapses. Relevant compensation details are as follows: 1. Insurance Clauses: The vehicle damage insurance clause stipulates that during the insurance period, direct losses to the insured vehicle caused by 'falling or collapsing external objects' are covered under the vehicle damage insurance. However, in cases of natural disasters or extreme weather conditions, vehicle damage insurance typically has a deductible of around 30%, meaning the insurance company will cover 70% of the loss for vehicles insured under this policy. 2. Classification: If during windy weather, a tree is blown down first and then a vehicle collides with it, this is considered a collision. According to the insurance clause, during the insurance period, if the insured or a legally permitted driver causes direct damage to the insured vehicle due to a 'collision' while using the vehicle, and the vehicle is covered by vehicle damage insurance within the policy period, the insurance company should compensate according to the contract terms.