Does Auto Insurance Cover Weather Damages?

From severe thunderstorms to hurricanes and tornadoes, your vehicle is vulnerable to a range of weather-related damage.

If your car becomes damaged as a result of a storm, will your auto insurance cover it?

Read on to learn more about weather damages and how your insurance will handle your claim.

Comprehensive vs Liability Auto Insurance Coverage

If you currently have a comprehensive insurance plan, then it’s likely your insurance company will help to cover weather damages. However, if your policy is what’s known as “liability only,” you may not be able to file a claim. On the other hand, if your vehicle is damaged due to negligence by a nearby neighbor, you may be covered if you can prove they were at fault. 

If you live in an area that’s prone to frequent storms, it’s best to pay for a comprehensive plan, just in case your vehicle becomes a victim of the weather. Those without a fully comprehensive insurance type of plan will have difficulty claiming car damage from weather and won’t likely be reimbursed for any repairs. If you do file a claim, make sure you take clear photos of the damage before you remove any debris.

Floods and Vehicle Weather Damages

Car damages related to weather can include everything from fallen debris to flooding. In the event of a flood, water can get into your engine or it may cause the vehicle’s electrical system to fail or rust.

Never turn on your engine if you think your car has been damaged after a flood. Contact your insurance company right away, then take a closer look at your vehicle as soon as the water has receded. If you drove through floodwaters or flooded roads, you might not be covered since it’s considered an avoidable issue caused by negligence.

Vehicles Hit by Objects

Fallen tree branches and other debris are common weather damages that can happen to your car during a serious storm. These types of weather damages are typically covered if you have a comprehensive auto insurance plan. A qualified auto body shop can help with things like hail repair after you file a claim. 

Everything from a roof tile or a broken fence post to a piece of lawn equipment can go flying during windy weather or bad storms and can potentially land on your vehicle. Always take photos of the damage and never move anything until your car insurer gives you permission to. 

Protect Your Car Today

Whether it’s raging floodwaters or high winds, your car can end up dealing with a range of weather damages that need attention. Make sure you have a good auto insurance plan in place and always get thorough documentation of the damage before you file a claim.

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