At Línea Directa we offer Car Insurance with natural disaster coverage. These natural disasters are, for example, lightning, fire, explosion, etc.
What is the Car Insurance coverage for natural disasters?
By this we mean damage caused by natural phenomena (earthquakes, floods, volcanic eruptions, storms, tornadoes, etc.), by acts of terrorism, or caused by actions of the Armed Forces or Law Enforcement Agencies in peacetime!
Car insurance for natural disasters through the Insurance Compensation Consortium (ICC) covers all those situations in which, due to causes beyond human control, our vehicle has suffered damage.
Opting for this coverage ensures that you are covered in any type of situation that, due to a natural disaster, may damage the condition of your vehicle. This coverage includes all natural events such as fires, floods, earthquakes, or explosions.
The Insurance Compensation Consortium covers other cases: in addition to protecting you with regard to compensation, it also covers possible health, recovery truck and even salvage expenses if necessary.
Línea Directa's natural disaster insurance
With Línea Directa, when you take out your comprehensive or third-party insurance with a specific clause you will have coverage for damage caused by natural disasters. With this coverage, the Insurance Compensation Consortium (ICC) will pay for the damage caused.
A prerequisite for them to take care of your vehicle in the form of repair or compensation is that you have insurance with this coverage.
Situations such as hail, snow or falling trees are not covered by the ICC. As for trees falling on your vehicle, they will be the responsibility of the owner of the property where the tree was planted.
As you never know what can happen, always take this type of coverage into account when choosing a car insurance policy. If you already have insurance, check the coverage you have purchased, make sure you are "covered" in case of natural disasters, and always stay safe in case of any unforeseen event!
Frequently asked questions
Línea Directa will be liable for the accident provided that it occurred through no fault of the driver, whether the car was moving or parked.
If the vehicle is declared a total loss, Línea Directa will pay compensation to the insured as established in the policy conditions and depending on the age of the car. Thus, the amount to compensate for the loss can be adjusted either to the market value of the model, the value as new or according to the fair market value .
Provided that this situation is beyond the driver's control and that the reasons and events that have caused this disaster are duly assessed.
Therefore, taking into account the limits of the policy and by assessing the case, Línea Directa will make a payout for your vehicle. Either for the possible damage caused or due to the total loss of the insured vehicle.
Therefore, as in cases of fire and explosion, in the event that your car is damaged by lightning, Línea Directa will compensate you according to the damage suffered.
