Climate change is real, and a major example is the sudden hailstorm in Islamabad today. None of us ever imagined that we would experience hailstorms, face thunderous rains, or have severe storms. Such natural disasters directly threaten property damage, including cars. In a recent incident, multiple vehicles were damaged in Islamabad after a hailstorm hit the cars parked in the capital, causing serious harm, including broken windscreens, rear screens, and damaged paint.
, leading to one vital question: Are damages caused by natural disasters covered in car insurance? This question is important today because Pakistan is among the top 10 countries most affected by climate change.
Like, we discussed the damages caused by riots and their insurance coverage; we are going to discuss the issue of natural disasters, also called Acts of God, and their coverage by car insurance. The answer to this question is yes; the car insurance does cover damages in this case, but only Comprehensive Car Insurance.
Comprehensive Car Insurance
The Comprehensive Car Insurance covers damages caused by:
- Natural disasters/Acts of God, i.e., hailstorm, hurricanes, volcanoes, earthquakes, floods, and storms
- Accidental external means
- Fire, external, explosion, self-ignition, or lightning
- Malicious Act
- Riots and strikes
This means you don’t need to worry as a car owner if you have comprehensive car insurance and face losses due to natural calamities. This insurance will help you if your car is submerged in rainwater, destroyed in floods, or hit by a hailstorm. In short, you are totally covered. Now the question is about choosing a good insurance company because a bad company will not accept your claim in difficult times, but make it very hard even to submit the claim.
PakWheels.com is again here for you as it offers comprehensive coverage backed by 13 well-known and reliable companies in Pakistan. You can read and understand about it by checking the PakWheels Car Insurance section, where we have answered all your questions in detail. In case of further queries, you can contact our representative. Also, you can read our detailed guide on car insurance here.
Through PakWheels, you can enjoy the following perks of insurance:
- No Service charges
- No claim issues
- Expert advice
- Reliable Medium
Terms and Conditions
However, there are some terms and conditions to claim your insurance. These conditions are:
- The policy must be valid
- Depreciation applied
- Preexisting damages are not covered
- Provide photographs, video, or any evidence (If possible)
In conclusion, if your car is damaged or destroyed by a natural calamity, i.e., a hailstorm, insurance will cover it for you. So, visit the PakWheels Insurance page, check the rates of different companies, contact our representative, and get comprehensive vehicle insurance as soon as possible. It will save you from any possible accident or disaster. Stay safe, and keep your car safe.
