Now Playing: Does Car Insurance Cover Hurricanes?
With hurricane season in full swing, it’s important to understand what your car insurance covers in the event of a hurricane. While car insurance policies may differ, most standard policies do offer coverage for natural disasters, including hurricanes.
One of the most common types of coverage that may come into play during a hurricane is comprehensive coverage. This coverage helps protect your vehicle from non-collision incidents, such as falling trees, flying debris, or flooding. If your car suffers damage as a result of a hurricane, comprehensive coverage can help cover the repairs or replacement costs.
It’s important to note that comprehensive coverage is an optional add-on to your car insurance policy. If you already have comprehensive coverage, you may be covered for hurricane-related damages. However, if you opted not to include comprehensive coverage in your policy, you may not have coverage for hurricane-related damages.
Another important factor to consider is whether your policy has a deductible. A deductible is the amount you are responsible for paying before your insurance coverage kicks in. Depending on your policy, you may have a deductible that applies specifically to comprehensive coverage. If your car sustains hurricane-related damage, you will need to pay the deductible before your insurance will cover the remaining costs.
It’s also worth noting that car insurance typically does not cover personal belongings that may be damaged during a hurricane. If you have valuable items in your car that are damaged or stolen during the hurricane, you may need to rely on your homeowner’s or renter’s insurance to cover those losses.
In addition to understanding your car insurance coverage, it’s also important to take proactive measures to protect your vehicle during a hurricane. This may include parking your car in a safe, elevated area, securing loose items that could become projectiles, and following any evacuation orders or safety guidelines provided by local authorities.
Ultimately, it’s crucial to review your car insurance policy to understand what is covered and what is not. If you have any questions or concerns, it’s always best to reach out to your insurance provider for clarification. By being proactive and informed, you can ensure that you have the necessary coverage in place to protect your vehicle during a hurricane.