According to the insurance clauses, auto insurance can provide claims for car damage or casualties caused by ground fissures, mudslides, subsidence, typhoons and avalanches. Because the earthquake belongs to the category of catastrophe, the auto insurance clauses clearly list the earthquake as an excluded liability without exception. Beyond the terms and conditions, this is not negotiable. Even in the face of natural disasters such as earthquakes, some vehicle losses can still be compensated by insurance companies. In addition to earthquakes, there are many cases where auto insurance does not pay for floods. Shanghai is about to enter the summer with frequent typhoons. After the typhoon "Mai Sha" last summer, many residential garages were flooded, resulting in some vehicles being flooded, and many vehicles had claims disputes. The insurance company believes that if the driver forcibly ignites the vehicle after driving to the depth of water, it is caused by improper operation and is not within the scope of compensation. Insurance industry professionals said that the owner should fully grasp the provisions of auto insurance claims. If the car is parked in the garage and flooded, don't forcibly ignite it. You should inform the insurance company immediately, otherwise the insurance company will not compensate even if the engine is damaged.