Will the insurance company compensate if the car is damaged by a typhoon?
4 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.
Bro, your car got wrecked by the typhoon? I get it, the key is checking your insurance policy type. If you have comprehensive coverage, most insurers will cover it since typhoons count as natural disasters. Here's what I remember about the procedure: First, make sure you're safe and don't touch the car; quickly take some photos of the scene with your phone, including the surroundings and damaged areas; then call your insurance provider to report the claim, providing your license plate number and details; they'll send someone to assess the damage, and you can follow up on repair costs. Without comprehensive coverage, you're in trouble and will have to pay out of pocket. When I bought my car, I specifically added comprehensive coverage—the premium wasn't much higher, but it's for peace of mind. With typhoon season coming often now, it's better to be prepared. Handle it early and don't delay to avoid missing the claim deadline.
Ah, this sounds familiar. Whether the insurance company compensates or not mainly depends on whether you have comprehensive coverage, which includes protection against natural disasters. If you selected this option when purchasing car insurance, they will be responsible for damages caused by a typhoon. Review your policy to confirm; if not, you might have to cover the repair costs yourself. After the damage occurs, don’t rush to move anything—take photos for evidence and contact your insurance company to file a claim. When the adjuster arrives, explain the situation truthfully and wait for their assessment. In short, being prepared saves trouble. My experience is that early insurance means fewer worries.
