Mother Nature outdid herself this year! From Hurricane Florence to the California wildfires (and every storm in-between), Americans boarded up, packed up, and left their lives behind due to extreme weather. The rest of us watched, worried, and wondered about our insurance policies. If last year’s natural disasters have you spooked, you’re far from alone!
Find peace of mind before disaster strikes and learn which type of car insurance coverage comes in handy in extreme weather. We’ll start by answering a few of our most frequently asked questions about tornado, flood, hail, and hurricane damage.
Does car insurance cover…
A tornado is a destructive vortex of violently rotating winds. Wind-related damage, including damage from a tornado, is usually covered by comprehensive coverage. Comprehensive helps pay for your vehicle to be repaired or replaced if it’s damaged in an incident that’s not a collision.
If you said, “yes!” to comprehensive coverage when you first bought your auto policy, congrats! You’re in the clear, even for little wind-related damages like a broken antenna or dented car door.
Comprehensive coverage, however, isn’t a given. You have to choose to add this coverage to your auto insurance policy. But remember if you lease or financed the purchase of your car, you leasing company or lender probably requires this coverage. Your basic liability only coverage won’t pay for tornado-related claims. So, if you live in tornado alley, double check your policy.
We’ve all seen it: news footage of a car lazily floating down a flooded street. If you live in a flood-prone zone, this image probably haunts your nightmares. But with comprehensive coverage, it doesn’t have to. Remember that comprehensive coverage helps pay for vehicle damage that occurs in an event other than a collision, like a flood.
Not sure if you live in a flood-prone area or not? Enter your address into FEMA’s Flood Map to find out.
Hail can rain down out of nowhere, denting the hood of your car and cracking your windshield. You often have little time to prepare and find shelter from these pellets of frozen rain. If you have liability-only car insurance, you’re not covered for hail damage. You’ll need comprehensive coverage if you want your insurance to help pay for your car to be repaired after a hail storm.
Living near the ocean can feel like vacay 24/7, but one big downside is hurricane season. While you check off your safety list of window-boards and sandbags, double-check your car insurance policy for comprehensive coverage. If you have comprehensive coverage as part of your auto insurance plan, you’ll be covered if a hurricane wreaks havoc on your car.
…damage from a weather-related car accident?
Let’s say you’re involved in an ice- or snow-related car accident. If the other driver is determined to be at fault for the accident, their property damage liability insurance will help pay for your car to be repaired. If you’re at fault for the accident, then your property damage liability insurance would cover the damage you cause, but you’d need to rely on collision coverage under your policy to help pay for repairs to your car. Otherwise, you’ll be paying for your car repairs out of your own pocket.
Understanding your car insurance coverage
Are you starting to see a trend here? When Mother Nature comes knocking, comprehensive coverage insurance is your safety net against weather-related vehicle damage. Comprehensive coverage will pay for your vehicle to be replaced or repaired in the event it is damaged or stolen in an event other than a collision.
Talk to a Direct Auto & Life Insurance agent over the phone or at a Direct Auto location near you to learn more. We can help protect your car from weather-related damage with a personalized and affordable auto insurance policy. Call 1-877-463-4732, click, or come in today!
The information provided herein is designed to give helpful advice on the topic discussed. It is not intended to provide legal or any other type of advice and is not meant to be a thorough discussion of every issue that a person should consider or may encounter. We are not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources or your reliance thereon. Any references to third party rates or products are subject to change without notice. Insurance coverages are subject to policy terms and conditions. Trademarks are property of their respective owners.