Will Insurance Cover Lightning Strikes on Cars?
1 Answers
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).