Why do you assume that someone pays for a natural event not caused by mankind? When a road is blocked by a lava flow, eventually the highway department will cut through the lava and reopen the road, so that is paid by taxpayers. Depending on the homeowner's insurance policy, that may or may not pay for fire damage from a fire started by a lava flow. Other damage, such as earthquake damage from an eruption, would depend on whether the owner has eartquake insurance.
Mauna Loa's last eruption occurred from March 24 to April 15, 1984.
Loas
Depends whose at fault..
Yours
The loser.
Asia
Loas
No, Loas is not a country. It is likely a misspelling or a variation of Laos, which is a country in Southeast Asia.
Yes,, That's what it's for. It pays for damages you caused to another.
The car that was moving when they struck each other...
Loas
It depends on where you are. In the US, you or your insurance pays first; then you collect from the person who hit you for the cost of the hospital bill, damages, and pain/suffering. Get a good lawyer to haggle with the insurance of the other person.