Will the insurance company compensate for car damage caused by natural disasters?
1 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.