Will Insurance Cover Vehicle Damage During Typhoon?

[Amy]

During typhoon weather, most damages can be compensated through the vehicle damage insurance. If a vehicle is hit by falling objects from above, causing damage to the window glass, even if the vehicle is not insured with glass insurance, compensation can still be obtained through the vehicle damage insurance. Below is a detailed introduction about car insurance: Overview: Car insurance is a type of property insurance. In the field of property insurance, car insurance is a relatively young category. In the early stages of car insurance, the third-party liability insurance for cars was the main coverage, gradually expanding to risks such as collision damage to the vehicle body. Others: The coverage period of vehicle insurance is generally one year. If it is a renewal, the insurance can be renewed one month before the expiration of the policy. The time is quite flexible, but car owners should arrange their time in advance.

[SerenityRose]

Whether your car damage is covered by insurance during a typhoon depends on your policy. A few years ago, I experienced a typhoon where my parked car got hit by fallen branches, damaging the windshield and hood. I panicked but immediately contacted my insurer. Since I had comprehensive coverage including natural disasters, they covered it. The process was smooth, but remember to take photos as evidence without disturbing the scene. Common claims like tree damage, flooding, or wind-blown object impacts are usually covered. However, engine damage from water immersion after starting may be denied unless you have specific water-related coverage. Always check your policy details beforehand—don't cut corners. During typhoons, parking in elevated safe spots is wisest. I learned this lesson firsthand; my claim was processed and repairs completed within 3-4 days. The best strategy is to avoid driving in severe weather altogether.

[NorahAnn]

It's quite common for vehicles to be damaged during typhoons and have the losses covered by insurance, especially if the owner has purchased comprehensive insurance that includes vehicle damage coverage. Natural disaster insurance policies generally cover typhoon-related damages such as water flooding the cabin or wind-blown objects denting the body. However, it's crucial to note that additional water damage insurance must be purchased separately; otherwise, engine flooding may result in out-of-pocket repair costs. When filing a claim, it's important to immediately take photos with your phone as evidence and contact the insurance company for record-keeping. Avoid attempting repairs on your own, as this could affect the claim outcome. For prevention, park your car in elevated areas to avoid low-lying zones and minimize potential damage. In short, carefully review your auto insurance policy to ensure you don't miss critical coverage options, or you may regret it later. Checking weather alerts in advance can provide peace of mind, and staying vigilant about road conditions while driving is always advisable.

[Summer]

Insurance coverage for typhoon damage to vehicles mainly depends on whether the natural disaster clause is included in the vehicle damage insurance. My friend's car was flooded during last year's typhoon, and he successfully claimed insurance for the damage, but since he didn't have engine water ingress coverage, he had to pay for the engine repairs out of pocket. The key is to take photos immediately and contact the insurance service hotline when filing a claim. For prevention, parking in a garage or on high ground during severe weather can reduce risks. While car insurance covers common accidents, there are exceptions, so don't take it for granted.

[LeReagan]

Whether car damage caused by a typhoon is covered by insurance depends on the policy type. I once experienced my car being crushed by a fallen tree. Fortunately, my comprehensive car insurance covered natural disasters, so the insurer compensated for the repair costs, which was quite a relief. When filing a claim, remember to provide photos and detailed descriptions of the location, and avoid moving the vehicle too much. For prevention, park your car on higher ground away from wind-prone areas or large trees. At your next insurance renewal, check if your policy includes flood coverage, as engine water damage might be excluded. Spending a little extra for peace of mind is worth it. As a family car owner, this experience taught me that safety comes first—never overlook small details.