好英语网中文：
车损险是一种车辆保险，是指在保险期间内，被保险人或其允许的驾驶人在使用保险车辆过程中，因遭受自然灾害、意外事故而造成保险车辆本身的损失，保险公司依照保险合同约定承担赔偿责任。
车损险的保险责任包括但不限于以下几个方面：
- 碰撞、倾覆、坠落；
- 火灾、爆炸、自燃；
- 外界物体坠落、倒塌；
- 暴风、龙卷风；
- 雷击、雹灾、暴雨、洪水、海啸；
- 地陷、冰陷、崖崩、雪崩、泥石流、滑坡；
- 载运被保险车辆的渡船遭受自然灾害（只限于有驾驶人员随车照料者）。
如果被保险车辆发生上述情形之一，造成车辆损失，保险公司将根据车辆的实际损失情况，在保险金额范围内进行赔偿。
英文：
Vehicle damage insurance is a type of vehicle insurance that covers the loss of the insured vehicle caused by natural disasters, accidents, etc., during the insurance period. The insured or the insured's authorized driver is responsible for the loss of the vehicle during the use of the vehicle, and the insurance company will be responsible for compensation in accordance with the insurance contract.
The insurance responsibilities of vehicle damage insurance include, but are not limited to, the following:
Collision, overturn, or falling;
Fire, explosion, or spontaneous combustion;
External objects falling, collapsing;
Storm, tornado, typhoon;
Lightning strike, hailstorm, heavy rain, flood, tsunami;
Earthquake, landslide, avalanche, snow avalanche, mudslide, landslip;
Ferry carrying the insured vehicle suffering from natural disasters (only for those with a driver accompanying).
If the insured vehicle sustains any of the above situations, resulting in vehicle damage, the insurance company will compensate for the actual loss of the vehicle within the limit of the insurance amount.
