Northern provinces have been severely affected by the recent onslaught of Typhoon Number 3.
Heavy rains and strong winds have caused extensive damage to homes, cars, and motorcycles, with numerous trees uprooted and knocked over. The storm has also led to flooding in several areas, leaving vehicles submerged.
In light of these events, many residents are wondering if their car insurance will cover damage caused by falling trees during Typhoon Yagi. It’s important to note that insurance compensation will depend on the terms and conditions outlined in the policy purchased by the vehicle owner.
There are various types and packages of car insurance available, including: compulsory motor vehicle liability insurance; driver, assistant, and passenger accident insurance; vehicle damage insurance; and carrier liability insurance for goods transported in the vehicle…
If a vehicle owner has purchased a comprehensive insurance package, they will be covered for unexpected accidents beyond their control, such as collisions, overturning, falling, sinking, fire, explosion, or impact with other objects. Natural disasters like typhoons, floods, landslides, lightning strikes, earthquakes, hailstorms, and tsunamis are also included in the coverage.
However, if the owner only has compulsory third-party liability insurance, any damage to their vehicle in such situations will not be covered.
If a vehicle is damaged by a falling tree, the owner should preserve the scene and contact their insurance company immediately. The insurance provider will assess the damage and initiate the necessary procedures for compensation.
Additionally, it is essential to involve the relevant authorities to document and photograph the scene. The insurance company will rely on their confirmation to process the settlement and compensation for the vehicle owner.
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