Will the insurance company compensate for vehicle damage caused by strong winds?

1 Answers
LeKate
07/29/25 10:40am
Whether the insurance company will compensate for vehicle damage caused by strong winds depends on whether the driver has purchased vehicle damage insurance. Vehicle damage insurance primarily covers damage to the vehicle caused by insured incidents (such as collisions, falls, overturns, storms, falling or collapsing external objects, hail, heavy rain, floods, etc.). Therefore, if vehicle damage insurance is in place, damage caused by strong winds (e.g., objects falling on the car) can be compensated. Conversely, without vehicle damage insurance, no compensation will be provided for such incidents. For damages caused by severe weather conditions like tornadoes, typhoons, heavy rain, or hail, the insurance company will provide compensation, provided these items are included in the policy at the time of purchase. When purchasing insurance, the insurer typically provides a copy of the commercial insurance policy terms, which clearly outline "insurance liabilities" and "liability exclusions." For older policies, the same terms may also be printed on the back of the policy document. For losses caused by collapsing or falling external objects, storms, or tornadoes, compensation is available if the policyholder has purchased vehicle damage insurance. (However, there is usually a deductible percentage for severe weather-related claims.) Thus, for cities prone to extreme weather, purchasing such commercial insurance is highly advisable to avoid significant financial losses in the event of natural disasters. The insurance company will assess compensation based on the specific circumstances of the damage. For example, if both the car body and windshield are damaged, or if only the car body is damaged, compensation can be claimed under vehicle damage insurance. However, if only the windshield is damaged, compensation must be sought under separate glass breakage insurance (glass insurance). In cases of severe vehicle damage, the insurance company will determine the compensation amount based on the policy terms and the extent of the damage.
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