Does the natural disaster insurance company pay for it?

It depends on the actual situation. In general, earthquakes are excluded from the compensation scope of most property insurance;

Most life insurance does not include the accidental death of the insured caused by the earthquake in the exclusion clauses, but if the insured dies due to the earthquake, both life insurance and accident insurance can compensate. Insurance companies have strict definitions of insurance clauses for natural disasters, and not all natural disasters can be settled.

In general, there are: fire; Explosion (excluding boiler explosion); Lightning; Hurricanes, typhoons, storms and tornadoes; Heavy rains and floods; Hail; Landslides, landslides and avalanches; Volcanic eruption; Land subsidence, etc.

It is precisely because the coverage and compensation amount of earthquake disasters exceed the ability of insurance companies to claim compensation, so the CIRC uniformly stipulates that as a specific natural phenomenon, it will be treated as an exception, that is, property losses caused by earthquakes will not be claimed by insurance companies.

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Categories of compensation or non-compensation for natural disasters by insurance companies:

No compensation: start the flooded vehicle without authorization.

Ms. Chen was trapped in the suburbs while driving out in the rainstorm. The road ahead is full of water, but she is in a hurry to go home, thinking she can cross it. Unexpectedly, the car broke down. Ms. Chen forced the fire again, causing the engine to be scrapped and the insurance company refused to pay. Remind car owners once again that if "flooded streets" often appear in your place of residence, it is recommended to buy "water insurance" for your vehicle, and find out what kinds of insurance the local insurance company can provide to compensate for this disaster. In this way, once you encounter flooding during driving, you can pay compensation through "water-related insurance" to minimize losses. However, it does not include the situation that water enters the exhaust pipe of the vehicle and damages the engine due to the unauthorized start of the underwater vehicle.

No compensation: vehicle losses caused by the earthquake.

Limited by technology and mechanism, and the scope of the earthquake and the amount of compensation far exceed the insurance company's ability to claim compensation, so the vehicle losses caused by the earthquake are temporarily not within the scope of compensation. At present, no insurance company has any insurance to compensate for the loss of vehicles caused by the earthquake. However, except for the earthquake, the vehicle losses caused by ground subsidence and ground fissures are all within the insurance company's claim scope. Pay attention to the scope of exemption when insuring. Wenchuan earthquake makes people feel worried. I hope the tragedy won't happen again.

Compensation: Vehicle damage caused by foreign body pressing the vehicle.

This year, Typhoon Fanbia ravaged western Guangdong, causing serious damage to vehicles in western Guangdong. Mr. Xie's car parked in front of his house was hit badly-a big tree was broken by Fan and pressed against Mr. Xie's car, and the roof was dented and the windshield was broken. Because Mr. Xie has always been very clear about which insurance companies protect this situation, and he has also insured the car damage insurance, he has been fully compensated by the insurance company, and there is no economic pressure during the maintenance period.

Compensation: Hail damaged the insured vehicle.

Hail is a common natural phenomenon in the north. Miss Mo's car was attacked by sudden hail, not only the body was smashed, but also the glass was broken. According to the auto insurance regulations, "the loss of insured vehicles caused by lightning, hail, rainstorm, flood and tsunami" was within the scope of protection, and Miss Mo's loss was quickly made up. However, it should be noted that the owner should report the case within 48 hours after the hail hit the car, so as to avoid trouble when making claims.

Summary: For natural disasters, auto insurance covers a wide range, and typical natural disasters such as lightning, hail, storm, tornado, rainstorm, flood, land subsidence, tsunami and debris flow can basically be paid. What are the situations in which the insurance company does not pay compensation? Earthquake, war, terrorist activities, riots, epilepsy, etc. Not within the scope of compensation.

Pacific Insurance Network-Do natural disasters fall within the scope of insurance companies' claims?