Can Auto Insurance Cover Damages Incurred Due to Natural Calamities? - Financing Panda: Latest News on Finance, Loan, Business


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Wednesday, August 1, 2018

Can Auto Insurance Cover Damages Incurred Due to Natural Calamities?

Natural calamities can take you by surprise and it is wise that you take measures to protect yourself and your property at all times. This not only includes your home, but also your car or bike. One way in which you can do this is by choosing a safe, comprehensive motor insurance policy. In the event that a disaster strikes, you will be able to claim the insurance and finance repairs at a later date.

However, it is important to remember that the list of natural calamities that auto insurance policies cover varies. Here’s a look at natural disasters usually fall under the purview of a motor insurance policy.


A flood can harm your vehicle in several ways, especially if the water levels rise and water enters the engine and/or the interiors of your car. Not only will have to get the parts replaced or repaired, you will also have to replace accessories. While floods can extensively harm your vehicle, the good news is that most insurance policies cover damage from floods under their comprehensive plan.

Earthquake and Landslide

Earthquakes and landslides have a brutal impact on your vehicle. If you are in the car when this calamity occurs, it is best to make it your priority to get out of the area first, and then assess the damage to your vehicle. Most motor insurance policies cover this natural disaster so you shouldn’t have any problem with regards to making a claim. Also, when you choose a comprehensive policy, it also entails personal accident cover, which covers your health, if you were driving the vehicle when the calamity occurred.

Damages from Collision

During the monsoon, your vehicle might also suffer damages owing to a tree falling on it. In other situations, an animal may collide with your automobile and thereby damage its exterior. In both situations, good comprehensive motor insurance policies will allow you to claim insurance to pay for repairs.


While you can keep most of your valued belongings safely locked up, with a car or bike, this isn’t possible. The next best thing is to rely on your insurance policy to provide adequate cover. After a hurricane, you may notice foggy lights, rusty interiors and electrical damage. Immediately contact your motor insurance provider and produce proof of damages to initiate the claim process.

To ensure that your policy covers these natural disasters, make it a point to pick good motor insurance by keeping the following factors in mind.

Research the Market Well

Before applying for insurance it is important to research the market to identify insurance providers with excellent customer service. While you are carrying out this exercise, also view various policies and tally the features that they offer versus the coverage that you seek.

Select Comprehensive Coverage for Maximum Benefit

To get the most out of your insurance policy, always pick comprehensive auto insurance. This will cover damage from natural disasters, whereas a third-party insurance will cover only damages borne by the other party in case of an accident. A comprehensive policy also allows you to make a claim in case man-made disasters such as fire, terrorism, burglary, riots, etc. cause damage to your vehicle.

So, before you choose an insurance policy, check its terms and conditions with regards to coverage of natural disasters and pick one that offers maximum protection to your automobile.

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