Will the insurance company compensate if the car is damaged by a typhoon?
2 Answers
Damage to the insured vehicle caused by natural disasters, which are irresistible by human force and are objective natural phenomena beyond human subjective will, is covered. Therefore, as long as you have purchased vehicle damage insurance, the insurance company will provide compensation. The insurer is responsible for compensating for the following causes of damage to the insured vehicle: collision, overturning, falling; fire, explosion, spontaneous combustion (requires additional spontaneous combustion insurance); falling or collapse of external objects; storm, tornado; lightning, hail, rainstorm, flood, tsunami; ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide; ferry carrying the insured vehicle suffering from natural disasters (limited to 58 Auto drivers accompanying the vehicle).
Seeing the car damaged by the typhoon really tugged at my heartstrings—I’ve been through this myself. The key is whether you’ve purchased comprehensive coverage (what we commonly call full coverage), as it typically covers natural disasters like typhoon damage or wind-related incidents. If you have it, the insurance company will definitely compensate you—last year, after a typhoon, my friend’s car was hit by a billboard, and since she had full coverage, the insurer covered the full repair cost. The process is straightforward: don’t move or repair the car right away, take photos or videos as evidence, then contact your insurance company to file a claim and wait for their adjuster to assess the damage. Once repaired, they’ll reimburse you. But if you only have basic coverage like third-party liability, you might not get a penny. I’d recommend asking explicitly when buying car insurance whether it includes natural disaster coverage—better safe than sorry, since disasters are unpredictable. It’s always wise to review your policy details regularly to avoid regrets later.
