What are natural disasters for which automobile insurance cannot be used?

You can prepare for car damage caused by various natural disasters by purchasing car insurance or car insurance, but car insurance or car insurance alone may not cover your insurance claims. You should be careful.

For example, car insurance does not cover damage to cars caused by natural disasters such as earthquakes, tsunamis, and eruptions. To cover car damage caused by such natural disasters with car insurance, it is necessary to add a special earthquake, tsunami and dangerous eruption vehicle damage warranty contract to car insurance.

There is a good chance that a car will be submerged due to an unavoidable natural disaster, or that the car will be damaged or damaged by the dispersal of volcanic bombs due to an eruption. It is important to see if the car insurance you have or are considering joining has a special contract for earthquakes, tsunamis, and eruptions.

What if I have set a deductible amount (own expense)?

It is possible to set a deduction amount when buying auto insurance. The deduction amount is an out-of-pocket amount, and establishing it has the advantage of lowering your insurance premium.

However, if a car is damaged by a natural disaster, we will not be able to cover the full cost of repairs due to the natural disaster. For example, if the deduction is set at US $ 960, when the repair cost is US $ 4800, the amount paid will be US $ 3850 and the customer will be responsible for US $ 960. However, if the car is losing completely, the full amount will be paid regardless of the deduction amount established.

Setting up a deduction has the advantage of saving you money, but you should be aware that you will have to pay it yourself.

In the case of damage caused by a natural disaster, costs may be incurred for parts other than automobiles. Therefore, it is important to set a deduction amount that balances the amount you pay with the premium you normally pay.

You can buy car insurance for unavoidable natural disasters. Some insurance companies may add special contracts that allow you to receive a one-time payment if your car is completely damaged by an earthquake, tsunami, or eruption. When considering auto insurance, it is important to compare each insurance company with the coverage and special contracts they have.

Can I get compensation even in economy type?

There are two types of car insurance: the general type, which has extensive coverage, and the budget type (the name varies by insurance company), which has narrow coverage but low premiums. In the case of damage caused by previous natural disasters, financial compensation is also available.

However, if you slip in the snow on the road and collide with another object, if the person who crashed is someone else’s car, you can get compensation even in the cheap type, but with a railing or utility pole. In the event of a collision, you can only get compensation if it is a common type. Also, even if you collide with someone else’s car, if you cannot confirm the registration number of the other person’s car and its driver / owner, the economy rate will not be compensated.

What happens to my grade if I use vehicle insurance?

If you use car insurance for damage caused by a natural disaster, the following year it will be lowered one notch and the accident rate will apply for one year. If you fall due to snow or if you cover the other party with car insurance, the following year it will be lowered by 3 levels and the accident rate will be extended for 3 years.