With the rise of various natural disasters, many people may be paying attention to home insurance just in case. Of course, getting good home insurance is important, but car insurance is just as important.

When a natural disaster strikes, outdoor cars become extremely vulnerable. In such cases, it is important to do a proper comparison of your car insurance, as your ability to receive insurance depends on whether you have car insurance.

What kind of natural disaster can I use for car insurance?

If your car is damaged by a natural disaster, such as a typhoon or landslide, you may need to purchase auto insurance and pay the insurance money. The actual payment depends on whether you have car insurance or not, so it is important to check the type of car insurance and if you have insurance.

Also, you can apply for car insurance for hail damage and car damage due to heavy snowfall. Hail falls at speeds of 100 km / h or more, so if it hits a car it will cause big dents and damage, but even then you may need to take out car insurance.

Also, in the Kanto region, if the amount of snow exceeds expectations, the car may be damaged because it cannot withstand the collapse of the garage or the snowfall of a part of the garage. At this point, the car insurance payment will still apply. Some natural disasters are covered only by car insurance, but buying car insurance can affect a wider range of natural disasters.

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.