Getting Your Car Stuck in Lava and Other Strange Insurance Coverage Questions

Getting Your Car Stuck in Lava and Other Strange Insurance Coverage Questions

You’ve probably never thought about what would happen if your car was consumed in lava, but that doesn’t mean it’s not going to happen. Lava, sinkholes, fires, they happen. Is your insurance going to cover you?

First: Your Home Probably Isn’t Protected from Lava, But Your Car Might Be

The thing about lava is that it’s mostly predictable. If lava hit your home, you’re probably in a high risk lava zone, which won’t be protected by homeowner’s insurance. That being said, if lava strikes out of nowhere, in an area where it really wasn’t expected, then you might be covered… under your fire insurance. It’ll become a battle regarding whether the fire consumed your house first, or the actual rock did. Hope for slow flowing lava.

Your car is probably covered, as long as you have comprehensive coverage. That’s right: it’s that comprehensive. Comprehensive coverage is what covers you for things like vehicle theft, vandalism, and general mischief.

But What About a Pest Infestation… In Your Vehicle?

Pest damage for a home is sometimes covered. But what about pest damage in a vehicle? Again, this is where comprehensive insurance really comes in… and where paying for the minimum insurance can come back to haunt you.

Collision and liability insurance will protect you if you run into a wall, car, or (hopefully not) person. But collision coverage doesn’t protect you against the weird things that can happen to your car, such as your tires being slashed, mold growing on a hot summer day, or rats making your engine their home.

…Or a Sinkhole in Your Yard?

Sinkhole damage is damage to your property, right? So would it be protected under home insurance? Actually…

Most home insurance policies don’t cover ground movement. That includes earthquakes: often you need additional insurance for that. You need separate sinkhole insurance if you’re going to avoid a major loss.

Luckily most people don’t live in an area where sinkholes are likely. But it’s still something that can happen almost anywhere.

…Or a Wildfire on Your Wedding Day?

A lot of people don’t realize this, but most homeowner’s insurance policies have a clause that’s designed to protect you from wedding-related plans. Homeowner’s insurance doesn’t just protect your home, it protects you, to some extent — at least, financial damages.

If you’ve had your wedding plans canceled because of things like fires, overbooking, or other disasters, call an independent insurance agent. They may be able to help you recover some of the money you put down for payments and deposits.

All-in-all, insurance covers a lot more than you think. But there are also notable gaps that you might not realize. You need to talk to an independent insurance agent to make sure you’re covered completely.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Underfoot Upgrade: Transforming Your Garage Floor from Forgotten to Fantastic

Don’t ignore your garage floor! Discover easy and impactful ways to upgrade this often-neglected area of your home.

Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog

Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.

The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success

Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.

Navigating the Grandparenting Journey: Understanding Today’s Families

Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.

Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks

The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.

Neighborly Navigations: Resolving Disputes in Non-HOA Communities

No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.

Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold

Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.

Green Means Growth: How Environmental Responsibility Can Boost Your Business

It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.

The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia

Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.

Peace of Mind at Home: Building Your Essential Supply Stockpile

Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.