Does full coverage on car insurance cover earthquakes?

I want to make sure my vehicle is protected in case of damage from an earthquake. I currently have full coverage on my car, but would it cover an earthquake or other natural disaster?

Answer
“Full coverage on car insurance policies include both collision coverage and comprehensive coverage on top of liability coverage.
Comprehensive insurance protects your vehicle from damage that isn’t the result of a car accident. Covered perils with comprehensive insurance typically include natural disasters and acts of God. Some examples of natural disasters and acts of God include:
  • Fire
  • Hail
  • Flood
  • Water
  • Windstorm
  • Earthquake
Since you’re specifically looking for earthquake coverage, you would be protected under your full coverage insurance. To be sure, confirm your coverage with your insurance carrier or look at your policy’s terms and conditions. Any exclusions from coverage would be listed there.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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