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The parents.
then it is the owners fault
Definition: Any natural phenomenon that causes great damage and loss of life. Any terrible event, not caused by human activity, that results in deaths, injuries, or damage to property. A disaster which occurs as the result of forces occurring in nature (i.e. flood, hurricane, tornadoes, etc).
HurricaneA storm surge that causes extensive coastal damage to property and leading to possible loss of life.
Property damage is covered by a property liability insurance package. This applies to all incidents in which an automobile causes damage to another person's property such as a fence or house. If you do not have property liability insurance, the driver is responsible for covering the damages out of pocket.
Hurricanes and earthquakes are very common natural disasters in the united states
Thunderstorms and bushfires are the ones that cause property damages and deaths
A Terrorism related disaster can be considered as an incident that causes widespread damage to human lives and property which is caused by a terrorist attack. Ex: the Sep 11th attack on the WTC and other places in USA can be considered a terrorism related disaster.
Bodily injury liability and property damage liability should cover those.
Destructive Force means anything that is being released that causes damage to lives or property, and can be natural or man made in any way.
Hydro-meteorological
HurricaneA storm surge that causes extensive coastal damage to property and leading to possible loss of life.