Whether insurance will cover damage to a car caused by a typhoon depends on whether the owner has purchased vehicle damage insurance. If not, the insurance will not provide compensation. If purchased, the insurance can compensate within the liability limit of the vehicle damage insurance, but any economic loss exceeding the limit will have to be borne by the owner. Vehicle damage insurance covers damage to the insured vehicle caused by insured incidents, including typhoons, hailstorms, storms, heavy rain, mudslides, earthquakes, collisions, falls, etc. Vehicle damage insurance refers to a type of commercial auto insurance where the insurer compensates within a reasonable range for damage to the insured vehicle caused by an insured incident while the vehicle is being used by the insured or an authorized driver. Vehicle damage insurance and third-party liability insurance are the basic types of vehicle insurance, primarily covering losses to the insured vehicle and losses caused to third parties by the insured vehicle during use. Coverage of vehicle damage insurance: Collision, overturning, falling, fire, explosion, spontaneous combustion (requires separate spontaneous combustion insurance), falling or collapsing external objects, storms, tornadoes, lightning, hailstorms, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides, earthquakes, and natural disasters affecting ferries carrying the insured vehicle (limited to cases where the driver is accompanying the vehicle).
