Does car insurance cover damage caused by natural phenomena?

When you are considering hiring a service, it is important to be fully aware of all the options available, especially when it comes to vehicle protection. Find out in this article whether auto insurance covers damage caused by natural phenomena.

Do you have any idea how much damage you could suffer if a tree fell on your car? If your answer was yes, you must be wondering whether auto insurance covers damage caused by natural phenomena.

And, even if you live in a big city, you need to worry about this, after all, we never know when a tree might fall, a flood might happen or any other natural phenomenon might occur and cause immense damage to our vehicle.

In this article, we will show you whether auto insurance covers damage caused by natural phenomena, and how this type of coverage works. Follow along and learn more about the subject.

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Find out if auto insurance covers damage caused by natural phenomena

Even if the possibility of lightning striking your car is not great, it is worth taking precautions, after all, even if it is remote, it exists.

And if it happens by chance, it will cause huge losses. But does car insurance cover damages caused by natural phenomena? Find out below which natural phenomena are covered by car insurance:

Does car insurance cover flooding and/or inundation?

Yes, the comprehensive coverage offered by insurance companies covers situations such as flooding or inundation.

However, for this type of claim to be dealt with, it must be proven that the car was not exposed to such damage.

In other words, if the auto insurance expert finds that you entered a flooded area, your insurance will not cover the claim.

However, if it is proven that the car was parked during the flooding or flooding, then it is okay. Coverage for the necessary repairs will be guaranteed.

Does car insurance cover hailstorms?

Generally speaking, yes, auto insurance covers damage caused by hail. However, this repair may take a little longer than usual.

Especially because it requires specialized labor. After all, if the bodywork repair is not done properly, the result could be worse than the damage caused.

Does car insurance cover storms and strong winds?

Yes, car insurance covers storms and strong winds, phenomena that often cause winds of 80 km/h, capable of causing major damage to vehicles.

Does car insurance cover falling branches and/or trees?

Most insurance companies offer coverage for branches, trees or other objects falling on the vehicle, providing repairs for the damage caused by this incident.

However, in order for you to benefit from this possibility, you must purchase the most complete coverage offered, known as comprehensive.

Does car insurance cover lightning strikes?

If lightning strikes your car, don't worry, because comprehensive insurance covers this type of loss. Although the possibility of your vehicle being struck by lightning is remote, it does exist, and if it does happen, you won't have to pay the deductible.

Does car insurance cover earthquakes?

Yes, all comprehensive coverages available on the market cover damage caused by earthquakes.

Generally speaking, the answer to all these questions is yes. Car insurance covers damage caused by natural phenomena.

To have access to this type of protection, you simply need to purchase comprehensive coverage, the most complete coverage that all insurance companies offer. If you prefer, you can also purchase additional coverage for natural phenomena.

It should be said that these are the most common coverages found, however, they may change depending on the insurer.

Therefore, try to find out from your broker exactly what coverage for natural phenomena is available from your insurer.

What situations are considered excluded risks and are not covered?

As with any type of service provision, there are some situations related to natural phenomena that are not covered by insurance.

These situations are called excluded risks and must be clearly described in the insurance policy. Here is a closer look at the natural phenomena not covered by car insurance:

Does auto insurance cover salt water damage?

No, if your car is damaged by salt water, be aware that your insurance will not cover the repair, even if you have coverage for natural phenomena.

This happens because the insurance company understands that, for this type of damage to be caused, the car must have been driven close to the sea, that is, on the sand of the beach, a place where vehicle traffic is prohibited.

Does auto insurance cover damage caused by radioactive or nuclear contamination?

If you are traveling or are in an area that has suffered or will suffer some type of radioactive or nuclear contamination, whether caused by waste, fuel or weapons, and your vehicle suffers any damage, be aware that insurance will not cover the repair of such damage.

Does insurance cover damage caused by natural phenomena not mentioned above?

All comprehensive coverage offered by insurance companies currently only covers the claims mentioned above. All other claims caused by existing natural phenomena are not covered by any insurance.

Additionally, there are other situations in which you may lose the right to coverage against natural phenomena. For example, if it is proven that you exposed your car to some type of imminent risk, such as driving in a flooded area, the insurance company may refuse to cover the damage.

Therefore, read your policy carefully and read all the excluded risks. This way, you can avoid future problems.

As you can see in this article, yes, auto insurance covers damage caused by natural phenomena. To count on this protection, you just need to be aware of the comprehensive coverage you are purchasing or request additional coverage for this type of loss.

It is worth mentioning that if you live in a large city where rain and flooding are frequent, investing a little more to have this type of coverage is the best choice you can make. Ask your insurance broker for more information on this subject.