Drivers in nearly every US state must carry a minimum liability vehicle insurance coverage. However, in most cases it only protects the occupants involved in the accident.if you don’t have adequate insurance, you may have to pay for the repair of the vehicle at your own expense. So, does auto insurance cover hurricane damage?
Luckily, optional car insurance Vehicle damage due to bad weatherHowever, good coverage is required.
Hurricane Ian Raises Auto Insurance Concerns
In late September, Hurricane Ian wreaked havoc on Florida. Considered one of the deadliest hurricanes in recent history, he has caused many deaths and flooded millions of homes.Recent Carfax The report concludes that Hurricane Ian caused 338,000 new auto insurance claims related to flood damage.
It gives an estimated number of flood damage car 738,000 this year. A flooded vehicle usually smells musty and can grow moldy. In severe cases, a water-damaged vehicle’s electrical system may fail.
However, scammers looking to sell damaged cars to unsuspecting buyers can easily mask these problems.Wet carpets and seats can be replaced, and refreshing sprays can cover odors. As such, Carfax warns buyers: Be cautious about buying a car after a big storm.
Beware of overpriced cars from private buyers who don’t provide flood history reports. Some states, especially New York and New Jersey, have more flood-damaged cars than others.
according to consumer report, flood damage often totals cars. This is because excess water inside your vehicle’s engine can cause stalling problems.if car submergedwhich usually renders that engine useless.
Many insurance companies consider a flooded car undrivable, even if the major mechanical parts of the vehicle are intact. good luck, bank rate He says that if he had comprehensive insurance, he could reimburse the value of the car. It also covers damage to your vehicle caused by hail or lightning strikes.
comprehensive insurance It also covers damages caused as a result of the above storms. For example, if your car flips over in a strong wind, this coverage will cover the repair. We will also pay for the repair costs if your car is hit by debris such as rocks or tree branches.
How much does comprehensive car insurance cost?
The cost of comprehensive car insurance varies depending on where you live and other factors, but it is generally affordable in most areas. In 2019, NAIC The average cost was estimated at $171.87 per year. States that are prone to hurricanes and tornadoes often have the highest premiums.
If you’re planning on buying comprehensive auto insurance, Bankrate says you shouldn’t wait until the last minute.Some insurers suspend Issuing a new policy Immediately after the storm warning was issued. Purchase comprehensive insurance at least 48 hours before a storm is expected, as this includes an addition to your existing collision coverage plan.
Comprehensive auto insurance is not just for repairs due to natural disasters.also compensate for damages caused by deer Or other large animals.
Vandalism, vehicle theft and fire damage are also included under the umbrella umbrella.Many drivers don’t realize the need for comprehensive insurance to cover a broken windshield.
Comprehensive coverage does not cover worn out components such as windshield wipers or brakes, but it does cover collision insurance. Having both policies in addition to the required liability insurance will provide full protection for the costs associated with a car accident.