Will Insurance Cover Lightning Strikes on Cars?

[DiJosiah]

Lightning strikes on vehicles fall under the coverage of auto damage insurance. You can normally file a claim with your insurance company, request an inspection and damage assessment, and receive compensation. The scope of auto damage insurance coverage includes: During the insurance period, if the insured or their permitted legal driver causes damage to the insured vehicle due to the following reasons while using it, the insurer will be responsible for compensation according to the terms of the insurance contract: 1. Collision, overturning, falling; 2. Falling or collapsing of external objects; 3. Storm, tornado; 4. Lightning strike, hailstorm, torrential rain, flood, tsunami; 5. Ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide; 6. Natural disasters affecting the ferry carrying the insured vehicle (only applicable when the driver is on board).

[DelJourney]

Alright, this is a pretty common question. If your car gets struck by lightning, the insurance company will usually cover it, but only if you have comprehensive coverage. Comprehensive insurance specifically covers natural disasters like lightning strikes, floods, or hail. I've personally seen cars damaged during thunderstorms where the insurance company quickly came to assess and pay out the claim. However, if you only have liability insurance, you're out of luck. It's recommended to take photos of the scene and damage details immediately, then call the insurance company's hotline to report the incident. They'll send someone to assess the damage to the electrical system or fire points, and the repair costs can basically be fully reimbursed. When parking, try to avoid open areas to minimize the risk of lightning strikes—it's just smarter. Regularly checking your insurance policy's coverage is also crucial; don't wait until something happens to regret it.

[MacSawyer]

Hey, when it comes to cars being struck by lightning, insurance companies generally cover it as long as you have comprehensive insurance. Lightning strikes are considered unforeseeable natural disasters, and comprehensive insurance is designed to include such accidents. Specific damages may include burnt wiring, malfunctioning electronic control modules, or scorched paint, which aren't too complicated to repair but can be costly. Without comprehensive insurance, liability insurance won't cover this, and you'll have to pay out of pocket. The key steps are: immediately stop the car, turn off the engine, avoid touching metal parts to prevent electric shock, contact your insurance company, and submit evidence—their processing is usually quick. Additionally, parking less under trees or on high ground during thunderstorm seasons can reduce the risk. Make it a habit to review your insurance annually to ensure your coverage stays up to date.

[SanAngela]

Don't panic if your car gets struck by lightning. Insurance companies usually cover the damages, provided you have comprehensive coverage. In my decades of driving, I've encountered a few similar incidents where lightning fried the audio system, ECU, or tire sensors. Fortunately, comprehensive insurance took care of the repairs. Without it, you're out of luck. Remember not to move the vehicle after the incident—wait for the insurance adjuster to assess the damage before sending it for repairs. Simple precautions like parking in a garage or basement are always wise.