Will the insurance company compensate for car damage caused by natural disasters?
3 Answers
In principle, insurance companies are liable to compensate for car damage caused by natural disasters. In cases of natural disasters or extreme weather conditions, the insurance company covers 70% of the compensation. However, if the damage is not due to a natural disaster, the manager or owner of the car bears full or partial responsibility. As long as it complies with the insurance policy terms, the insurance company will definitely compensate. If the claim requirements are not met, the car owner has to bear the loss themselves. Below is the relevant introduction: Protection as long as it's legal: As long as the car owner is not involved in illegal activities such as drinking or drug use, their legal rights are protected by law. If the owner has third-party liability, car damage, and no-deductible coverage, the insurance company cannot use any excuse to refuse compensation for property damage caused by vehicle damage. Simplified procedure: Minor accidents like small scratches or bumps are inevitable in daily car use. Such incidents are usually handled through a simplified procedure—take photos for evidence and wait for the traffic police to determine liability. Once primary/secondary responsibility is clarified, the parties can file claims with their respective insurance companies and wait for compensation.
Last time my car was destroyed by a typhoon, the entire windshield was shattered, and the body was scratched. I had comprehensive insurance, and the claims process was actually quite smooth. The insurance company covered the repair costs, although I had to pay the deductible portion. The key is to check your policy type—natural disasters like floods or storms are usually covered under comprehensive insurance, but earthquakes require separate earthquake insurance. I highly recommend opting for comprehensive insurance when buying a car; don’t skimp on that expense, or the losses could be huge when a natural disaster strikes. When filing a claim, take photos immediately to document the damage, contact customer service to submit the materials, and avoid moving the car during the waiting period. Just stay patient, and it’ll be fine.
I'm quite clear about whether insurance covers car damage from natural disasters—it depends on the policy type. Standard liability insurance only covers damage you cause to others, not your own vehicle. Comprehensive coverage under full insurance typically includes floods, tornadoes, and other natural disasters, though with certain limitations like deductibles or exclusions for specific areas. Earthquakes usually require additional riders. I recommend everyone review their policy details and call their insurer directly if unsure. File claims promptly by submitting photos and claim forms to speed up processing and avoid disputes. Also, park away from high-risk zones as a precaution.
