Will Insurance Cover Vehicle Damage During Typhoon?
2 Answers
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.
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.
