Will the insurance company compensate for vehicle damage caused by a typhoon?
1 Answers
Whether the insurance company compensates for vehicle damage caused by a typhoon depends on the specific circumstances of the damage. Below is an introduction to vehicle damage situations during typhoons: Damage caused by falling objects: Covered under vehicle damage insurance. If a vehicle is damaged by falling objects such as trees blown down or walls collapsed during a typhoon, this falls under the category of natural disaster damage and is generally covered by vehicle damage insurance, with the insurance company typically providing full compensation. In such cases, vehicle owners should remain calm, ensure their safety, take photos of the accident scene, and then move the vehicle to a safe location. Vehicle submerged in water: Typhoons often bring heavy rain and flooding. If a vehicle is parked in a low-lying area and gets submerged, the owner should not attempt to start the vehicle. For submerged vehicles that have not been restarted, the vehicle damage insurance covers all parts except the engine. If the owner has purchased additional water damage insurance, engine damage will also be covered. However, even with water damage insurance, the insurance company will not compensate for engine damage caused by restarting the vehicle.
