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Does Car Insurance Cover Hurricane Damage?

Devastating enough as the effects of a hurricane can be, worrying about repairing your car that’s been damaged should not be something you face, either. Having car insurance cover hurricane damage goes a long way in this regard.
Hurricane Damage
Does Car Insurance Cover Hurricane Damage?
Disaster can hit unexpectedly and leave a dent in your finances. Having your car insurance cover hurricane damage is vital to financial security. This blog helps you zero in on the best options.
In this article

Most people choose comprehensive insurance as an additional coverage option for hurricane damage. It is essential to know what your insurance covers before a hurricane hits. In this article, you will learn about the car insurance policies that cover damages during hurricanes and how to protect your car. 

What do I do with my car in a hurricane?

The most effective way to minimize or avoid damage to your vehicle during a hurricane is to prepare and store it properly. Here are a few tips to follow in case of a hurricane. 

  • Make sure your vehicle is stored in a covered area
  • Determine where policy documentation can be found
  • Gas up your car to ensure movement if an evacuation order is required. 
  • Stock your car with an emergency kit such as flashlights, a first aid kit, blankets, a charger, and a power bank. 

How do I insure my car for hurricanes?

Comprehensive car insurance is the best way to protect your car after a hurricane. An experienced attorney can help you if you need help getting fair compensation from your insurer. You can get help from a property damage lawyer to develop a solid claim to present to your insurer and defend against denials or unfair settlements. 

A comparison of car insurance quotes on Beem can help you get the best deal for your budget and provide the coverage you need in case of an accident. 

What happens if my car gets damaged in a hurricane?

You will likely use comprehensive insurance if a hurricane damages your vehicle. It is also possible to use collision coverage if you are in an accident caused by hurricane conditions. These are some scenarios in which hurricane damage may be covered under your car insurance:

  • Falling debris damage
  • Strong winds
  • Water damage
  • Damage while driving

Are hurricanes covered by insurance?

Comprehensive insurance covers hurricane damages. However, some insurance policies do not cover hurricane damages. If your car is damaged due to a collision in a hurricane, then collision insurance is helpful. Unless your lender requires it, state law only requires you to have physical damage coverage on your vehicle.

Does car insurance cover natural disasters?

Coverage against natural calamities is a feature of all comprehensive auto insurance plans. The policy provides both own damage coverage (OD) and third-party liability coverage (TP). 

How do I insure my car for hurricanes?

Comprehensive car insurance protects your car against all-natural calamities. You won’t have to pay anything extra for your car insurance policy if you have a total loss. So, you can buy comprehensive insurance for protection against hurricanes. 

Conclusion

Does your car insurance cover hurricane damage? If you need clarification on this, contact your insurance agent. One must always collect documentation if there is a hurricane warning to ensure you can apply for coverage later. Also, if you live in a hurricane-prone state, always have comprehensive insurance to provide maximum safety for your vehicle. 

Remember, you can use Beem to find the best insurance quotes to help you make the right choice. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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