Does Car Insurance Cover Hurricane Damage?

Does Car Insurance Cover Hurricane Damage?

Car insurance covers hurricane damage if you have comprehensive coverage as a part of your car insurance policy. It is not mandatory by law to purchase comprehensive coverage to drive legally. 

Does your car insurance policy cover flooding from a hurricane?

Comprehensive coverage helps to cover flooding damages from a hurricane. You can cover the following damages by comprehensive coverage:

  1. Theft
  2. Hailing or lightning
  3. Vandalism
  4. Bad weather or flood damage.

A hurricane can damage your vehicle in different ways such as:

  1. Water damage
  2. Wind damage
  3. Damages by falling trees or branches
  4. Corrosion caused by exposure of saltwater
  5. Strong winds flip the vehicle
  6. Mechanical damage to the vehicle caused by water exposure

How can I get hurricane car insurance?

You need to include comprehensive coverage in your car insurance to cover hurricane damage. If you live in an area where hurricanes are more likely to occur then it is a good option to purchase collision coverage in your car insurance policy to cover hurricane damages. You should purchase comprehensive coverage before an active storm warning in your area to recover losses incurred by the hurricane. You may not be able to include comprehensive coverage in your car insurance policy if you do not have a comprehensive policy before a hurricane warning.

Do I need to purchase comprehensive coverage?

If you live in an area where the possibility of hurricanes is high then you need comprehensive coverage in your car insurance policy to cover hurricane damage. If you have a financed or leased car then you may be required to include comprehensive coverage in your car insurance policy. If your vehicle is new then it is good to purchase comprehensive coverage in your car insurance policy to protect against the physical damages to your vehicle.

How much does car insurance cost for hurricane damage?

The cost of the car insurance policy depends upon the cost of the vehicle. The cost of a car insurance policy is also based on the coverage level of the insurance policy.

Coverage level Average car insurance premium
Liability coverage only $680
$500 deductible $1420
$1000 deductible $1275

Here are some more useful insurance tips: https://blog.mymoneymyquotes.com/mistakes-to-avoid-when-purchasing-car-insurance/

How does car insurance payout after a hurricane?

Some car insurance policies reimbursed the value of replacement cost. The car insurance company pays the actual cost of the vehicle after subtracting deductibles from it. Deductibles are not the same for different comprehensive claims. But deductibles are the same for claims that come under the same umbrella policy of comprehensive coverage. 

Will car insurance premium increase after a hurricane?

The cost of a car insurance policy will increase after a hurricane. Car insurance companies will raise your car insurance premiums when you file a car insurance claim to cover the damages caused by a hurricane. Car insurance premiums may increase up to $100 per year after a comprehensive claim to cover the hurricane damage. Car insurance companies review your claim history of the past 3 years to calculate car insurance premiums. 

Why do you need to purchase more than minimum liability coverage to cover hurricane damage?

Minimum liability coverage helps to cover the medical expenses of other’s injuries and property damage of others’ vehicles only if you caused an accident. Minimum liability coverage does not cover the damages caused by hurricanes. You need comprehensive coverage in your car insurance policy if you want to cover the damages caused by hurricanes. 

Tips to file a car insurance claim after a hurricane

You should inform your car insurance company if your car gets damaged by a hurricane. To file a car insurance claim to cover the hurricane damages, you should have all the documents such as photographs of damaged vehicles, etc. You should take photos of the damages caused by hurricanes from different angles.  The claim process takes weeks or months for recovery of the losses incurred by hurricanes. 

Before purchasing a car insurance policy you should check the details of the car insurance policy that it covers the hurricane damages or not. To get better coverage in a hurricane you should compare at least 3-4 car insurance quotes from different insurance companies.  You can select the cheapest comprehensive coverage in your car insurance policy by comparing the rates of comprehensive coverage rates from different car insurance companies to cover the hurricane damages.  

It is the biggest mistake when you assume that all the companies are the same and provide the same services. You should compare the services offered by different car insurance companies before purchasing the car insurance policy.

At MyMoneyMyQuotes.com, consumers can shop and compare auto insurance quotes online for free and find the best and cheap rates for their coverage needs for an auto insurance policy.

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