From my personal experiences with vehicle insurance, I think you&#x27;re a bit optimistic.  Does your policy have an &quot;act of god&quot; clause?  Because that&#x27;s a loophole big enough to drive a truck through.  (Which is what happened to me, when a shipping truck driver totaled my car when driving it through a hurricane without covering their load, and the insurance company refused to assist because it was an &quot;act of god&quot;)