Damage to vehicles due to the following forces of nature fall into this category:
- storm winds (velocity at least 75 km/h),
- avalanches,
- hail,
- landslide,
- falling rocks,
- flooding,
- and snow masses.
Some insurance companies also cover costs due to crashing aeroplanes, rockets and spacecraft, or their parts.
Each auto insurance company will divide types of damage due to natural forces into separate components.
Tip:
The probability of your car being crushed by an avalanche or washed away by a mountain stream is quite small. However should such an accident actually occur, there can be a great amount of damage to your car. Premiums for damage due to natural forces are very low. However, if such an event occurs, the damage is large. The insurance for damages due to natural forces is a component of partial cover insurance.
