8+ 台風浸水車保険 Article

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Introduction

Living in Japan means experiencing typhoons every year. While these storms can be exciting to watch, they can also cause severe damage to your property, including your car. If you're worried about your car getting flooded during a typhoon, there are steps you can take to protect it. In this article, we'll be discussing how to prepare your car for typhoon season and the role of insurance in case of damage.

Preparing Your Car for Typhoon Season

One of the best ways to protect your car from flooding is to park it in a safe location. If you live in an area prone to flooding, consider parking your car on higher ground or in a multistory car park. Avoid parking your car in a low-lying area or near a river as these areas are more prone to flooding.

Check Your Drainage System

Another way to protect your car is to check your drainage system. Make sure your car's drainage system is in good condition and free from blockages. If your car has any drainage issues, it's best to have them fixed before typhoon season arrives.

Prepare an Emergency Kit

In case of flooding, you should prepare an emergency kit for your car. This kit should include a flashlight, a first aid kit, a blanket, and a radio. You may also want to include a portable battery charger to keep your phone charged in case of an emergency.

Insurance for Flood Damage

Even if you take all the necessary precautions, there's still a chance that your car may get flooded during a typhoon. That's where insurance comes in. In Japan, there are two types of car insurance that cover flood damage: comprehensive insurance and non-life insurance.

Comprehensive Insurance

Comprehensive insurance covers all types of damage to your car, including flood damage. However, it's usually more expensive than non-life insurance. If you live in an area prone to flooding, it may be worth considering comprehensive insurance.

Non-Life Insurance

Non-life insurance, also known as third-party insurance, only covers damage to other people's property or injuries they may sustain in an accident. It doesn't cover damage to your own car. However, some non-life insurance plans offer optional coverage for flood damage.

Conclusion

In conclusion, protecting your car during typhoon season is crucial. By taking a few simple steps, such as parking your car in a safe location and preparing an emergency kit, you can reduce the risk of damage. And if the worst does happen, having insurance can provide some peace of mind. So, make sure to review your insurance policy and take the necessary precautions to protect your car during typhoon season.