
Weather-related Car Damage: What’s Covered and What’s Not
Weather-related car damage is a growing concern for drivers as extreme weather events become more frequent. From hurricanes to hailstorms, understanding what your car insurance covers can save you from unexpected financial burdens.
Comprehensive Coverage for Weather-related Damage
Comprehensive car insurance is your primary safeguard against weather-related damage. Unlike liability insurance, which can cover damage to other parties, comprehensive coverage may handle non-collision-related damage caused by storms, floods and hail. This type of coverage is optional but is often required by lenders for financed vehicles.
Hurricanes
Hurricanes pose significant risks, especially in coastal areas. Comprehensive insurance typically covers hurricane-related damage, including wind, flooding and debris impact. However, hurricane deductibles are often higher and calculated as a percentage of the vehicle’s insured value.
Floods
Comprehensive insurance generally covers flooding, but coverage limits and terms vary. Some policies cap payouts for flood damage or require policyholders to take reasonable precautions, such as relocating vehicles to safer areas.
Hailstorms
Hailstorms can cause significant damage to vehicles. Comprehensive coverage usually includes hail damage, but some policies may exclude cosmetic damage unless it affects functionality. Reporting hail damage promptly is often required to qualify for coverage.
State-specific Regulations
State laws are critical in shaping car insurance coverage for weather-related damage. While comprehensive insurance is not legally required in most states, some jurisdictions have enacted regulations to address the increasing risks of extreme weather.
Find an Insurance Provider Near You
Understanding car insurance can be challenging, but Rhino Insurance Brokerage LLC in Palm Desert, CA, is here to help. Contact us today to learn more.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
Categories: Auto Insurance, Blog