These are the damage to vehicles caused by natural phenomena that the insurance covers

The type of bad weather determines who is in charge of the repairs, according to the DGT

Car insurance is one of the necessary procedures to legally circulate a vehicle in our country. An annual expense that, while some people consider useless, can be useful when a driver finds their vehicle damaged by a natural phenomenon. In recent years, Spain has experienced bad weather, such as Filomena or some of the hail or snow showers that occurred in the spring. Meteorological phenomena that are added to other natural phenomena such as the eruption of the volcano on La Palma. In these cases, there are several factors that determine whether the insurance is responsible for covering the damage or whether the Consortium does.

In the first place, it is important to know which type of insurance is taken out, since, depending on the degree of coverage, atmospheric phenomena play a role in the covered damage. In the event of rain, it usually does not cause direct damage, the main problem being water ingress into the passenger compartment or engine, where the insurance is responsible for covering the necessary repairs. In the event of a flood due to damage to the land from rain or the melting of lakes or attack from the sea, the Consortium will be responsible for covering the costs.

Hail, unlike rain, usually only causes cosmetic damage, so the insurer is responsible for covering body damage. In the case of snow, the insurer must be responsible for aesthetic damage and internal disorders that may occur, for example when the vehicle is buried. But if a catastrophic zone is declared, the Consortium will take the lead. In a thunderstorm, if it’s the lightning that damages the car, they usually cause burns or dents, and if it’s closed and the devices turned off, it shouldn’t affect anything else. With the wind the cover changes and it depends on the situation since the reference is the speed. If the wind does not exceed 120 km/h, the insurer will cover the damage, but if it exceeds this speed, the Consortium will bear the costs.

The Consortium takes charge of those eruption situations, covering all damage caused by the volcano, as well as in the event of an earthquake or tsunami, where the damage is covered when the National Geographic Institute certifies the phenomenon, according to the DGT.

Source: La Verdad

Ida

I am Ida Scott, a journalist and content author with a passion for uncovering the truth. I have been writing professionally for Today Times Live since 2020 and specialize in political news. My career began when I was just 17; I had already developed a knack for research and an eye for detail which made me stand out from my peers.