While auto insurance coverage has become increasingly more complicated over the past decade, the most important aspects of your policy are fairly simple to understand.
Most people only think about their auto insurance in terms of collision and comprehensive coverage, but there are other types of coverage that you may not know much about.
Let's look at how weather damage affects your auto insurance policy and why it's important to be aware of what types of damage are covered by your policy, even if they aren't listed as separate coverages on your bill.
If you have comprehensive coverage, your insurer may reimburse you for weather-related damages, such as damaged windshields or flooded interiors. Some insurers also offer separate policies for wind and hail damage.
What Qualifies as Weather Damage?
There are many types of weather damage and ways you can help reduce your risk of incurring any weather-related damage to your vehicle.
Some types of weather damage, such as hail, cannot be prevented, but there are steps you can take to minimize the risk of other types of weather damage, such as wind-related damage, especially if you live in an area prone to hurricanes or high winds.
Floods and Hurricanes
Many people don't realize that floods and hurricanes are considered weather damage when it comes to auto insurance. This is because these natural disasters can cause a lot of damage to cars, and often, people are not prepared for the cost of repairs.
Insurance companies sometimes will even total the car if the damage is too severe. If you live in an area prone to these types of disasters, it's important to ensure you have the right coverage on your car.
Windstorms And Tornadoes
One of the most common types of weather-related claims is wind damage. Windstorms and tornadoes can cause trees to fall on your car or flying debris to shatter your windshield. Most auto insurance policies will cover wind damage, but some limitations may exist.
For example, your policy may have a higher deductible for wind damage if you live in an area prone to severe weather. Make sure you understand your policy before severe weather hits.
Falling Objects
Falling objects are considered weather damage because they can fall on your car and cause damage. Tree limbs can break your windshield, and debris can scratch your paint. Plus, if a falling object hits you while you're driving, it could cause an accident.
Wildfires
Most people think of weather damage in terms of things like floods, hurricanes, and tornadoes. But did you know that wildfires can also be considered weather damage? That's because severe drought conditions typically cause them.
The drought causes the brush to dry out, making it more susceptible to catching fire. And while natural events may not have directly caused the fires, they can be classified as a result!
Earthquakes
While most people think of weather damage in terms of floods or hurricanes, earthquakes can also cause significant damage to homes and businesses. Earthquakes are weather damage because they result from natural forces beyond our control.
In an earthquake, your auto insurance policy may help cover the cost of repairs if your car is damaged. However, it's important to know that not all policies cover earthquakes. If you live in an area prone to earthquakes, it's worth considering purchasing additional coverage.
Hail
Even though hail is a form of precipitation, it is considered weather damage in auto insurance. This is because hail can cause severe damage to your car, and it is not something you can control.
To file a claim for hail damage, you will need to have comprehensive coverage on your car insurance policy. If you don't have comprehensive coverage, you will have to pay for the repairs out of pocket.
Volcanoes
Most people think of weather damage in hurricanes, tornadoes, and severe thunderstorms. But did you know that volcanic eruptions can also be covered by auto insurance? That's because they are considered weather damage.
Most auto insurance policies will cover damage from a volcanic eruption, but it's always a good idea to check with your insurer to be sure. And remember, if you're ever in the path of a volcano, get to safety as quickly as possible!
What Kind of Auto Insurance Covers Weather Damage?
There are a few different types of auto insurance that cover weather damage. The most common is comprehensive coverage, which covers damage from events like hail storms, hurricanes, and tornadoes. Adding this coverage to your policy is a good idea if you live in an area prone to severe weather.
Comprehensive coverage is one of the optional types of car insurance. It helps pay to repair or replace your car if it's stolen or damaged by things other than collision or rolling over. This includes weather damage, fire, vandalism, and hitting an animal.
Comprehensive coverage can be a good investment if you live in an area prone to severe weather. It helps pay to repair or replace your car if it's damaged by hail, flooding, earthquakes, or other natural disasters.
How Much Do Comprehensive Covers Cost?
You may wonder how much it would cost to insure your vehicle against weather damage. The truth is that the cost of comprehensive insurance coverage varies depending on several factors.
These include the value of your vehicle, your deductible, the severity of weather conditions in your area, and more. Generally, you can expect to pay anywhere from a few hundred to a few thousand dollars yearly for comprehensive insurance coverage.
It's essential to get an accurate quote before purchasing auto insurance so that you don't overpay or underpay for the coverage that's right for you.
How To File A Claim For Weather Damage
First, you'll need to take pictures of the damage to your car. Be sure to get pictures of all angles and document the damage's date and time.
Next, you'll need to contact your insurance company and let them know you'd like to file a claim. They will likely ask you for some information about the incident, so be sure to have all of your documentation ready.
Your insurance company will then send an adjuster to assess the damage to your car. They will determine how much money you are entitled to receive for repairs.
Once the adjuster has assessed the damage, you will need to take your car to a repair shop that your insurance company approves.
Weather Damage Insurance Should Be a Priority
In most cases, standard auto insurance policies will not cover weather-related damage. If your car is damaged in a storm, you will likely have to pay out of pocket to repair it. However, there are some exceptions.
If your car is totaled in a weather-related incident, your insurance company may pay out the value of your vehicle. Additionally, you may be covered for weather damage if you have comprehensive coverage. It's essential to read your policy carefully and speak with your insurance agent to understand what is and is not covered.
If you have more questions on insurance coverage for weather damage, we are here to help. Contact us via our contact form. We will answer any and all questions you have.