Unfortunately I'm pretty sure this would fall under acts of God and therefore wouldn't be covered.
I mean, what happened with the twin towers and the other affected buildings, not to mention the tens of thousands of people that died or were injured as a consequence, in terms of insurance?
Why would it be counted as a same attack, two planes hit two seperate buildings so they are two separate events.
> [Michelle] Knapp had just purchased the car for $300. Immediately following the extraterrestrial impact, the vehicle was sold to Iris Lang, wife of renowned meteorite collector and dealer Al Lang, for $25,000.
If you do an oopsy, and someone dies or even ends up in a wheelchair, how are you going to pay for the resulting lawsuit otherwise? Covering repairs is just an added bonus on top of the CYA.
Also consider if you end up in a wheelchair or quadriplegic: what happens if the person who hit you is a deadbeat driving around without insurance? Do you think you'll be able to extract anything out of them with a standard lawsuit?
Do you have general life insurance with critical illness coverage? Do you have any kind of income replacement policy?
* https://www.investopedia.com/articles/personal-finance/01041...
More to the point, your (liability) car insurance is to protect the other person
There has been (one, perhaps two?) cases of damage to car by meteorite in the last decade, in the same period there have been billions of insurance policies issued. The per insurance policy cost is negligible.
That means I don’t need any separate insurance for my laptop, phone, headphones, watch, what have you. And if just one of those breaks in the span of 3 years, I’ve already broken even at worst, or a net €2570 ‘gain’ at best.
(edit: though in hindsight I realise that's a useless 'recommendation' if I can't recall the name...)