Does Car Insurance Cover Natural Disasters?
Natural Disaster Vehicle Damage
Natural Disaster Vehicle Damage Living on the East Coast means being familiar with experiencing all four seasons. We’re lucky to have the variety of weather, but it also means we must take precautions when insuring our property, whether it's a house or a vehicle. Are you wondering: Does car insurance cover natural disasters? The team at Portsmouth Auto Body Center is here to help you through any confusion surrounding vehicle insurance! We are committed to serving each of our customers with the best service and auto body repairs. We also take pride in helping educate our customers on the ins and outs of vehicle repairs and insurance policies. Are you puzzled about whether your car insurance covers natural disasters? Keep reading, and we’ll answer all your questions!
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Overall, this answer will vary from customer to customer. If you opted for Full-Coverage insurance, you will likely already have comprehensive and collision coverages. Because there is no particular section to classify damage from a natural disaster, comprehensive car insurance usually covers these damages. Since it is additional coverage, you can also add the comprehensive insurance onto your existing plan so you’ll be prepared in the future. As we mentioned before, it’s a good idea to get comprehensive coverage because we all know how unpredictable the weather can be on the East Coast.
Comprehensive Insurance
Full coverage insurance usually includes comprehensive coverage. These damages constitute anything not related to an automotive accident, like a collision, which is a separate coverage category. Comprehensive coverage will include damages from natural disasters such as:
- Floods
- Hurricanes
- Hailstorms
- Earthquakes
- Sinkholes
- Mudslides
Most of the time, comprehensive coverage will cover your damages even if you are not driving during a natural disaster. If you’re worried about natural disaster damage, having full coverage vehicle insurance is always your safest bet. In addition to natural disasters, this coverage also includes:
- Vandalism
- Civil Disruptions
- Theft
- Falling Objects
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In short, the answer to this question: Does car insurance cover natural disasters? is “Yes,” although this answer is dependent on each individual insurance plan and insurance provider. If you’re unsure if your comprehensive coverage plan includes most of the damages listed, look into your insurance provider's details to see if these costs are covered. Car insurance and vehicle damage is never a fun topic, but we’re always here to save the day, and we’ll get your car back to running at 100% in no time! If you have any other questions or you would like to schedule an appointment, contact Portsmouth Auto Body Center today!