The Role of Auto Insurance in Case of Natural Disasters

You’re likely aware of the crucial role that auto insurance plays in financially protecting you and your vehicle while you’re on the road. But what about off-road incidents? Unfortunately, even while it’s parked safely in a garage or driveway, many risks and perils could impact your car and drain your finances. Fortunately, a well-constructed auto insurance policy can also cover such situations.

How Can My Coverage Respond to Natural Disasters?

In terms of auto insurance, comprehensive coverage is the key component when it comes to protecting your finances and vehicles against natural disasters. This common fixture of many policies can establish a versatile shield against many noncollision-related losses. Should your vehicle, including its body, components and interior, be damaged by wildfires, earthquakes, floods, hurricanes or other natural disasters, comprehensive coverage may ensure you can recoup losses and pay for repairs.

Beyond comprehensive coverage, certain disaster-related losses may also require different auto insurance protections. For example, if you’re driving your car during a hurricane or severe storm and lose control, resulting accidents would likely require collision coverage should you be deemed at fault.

On a separate note, regardless of how your vehicle may have been damaged, if you owe more on an auto loan than the current value of your car, gap coverage can help ensure your payout is sufficient to replace a total loss. Without including this feature in your auto insurance, natural disasters could leave you without a vehicle or the means to buy a new one.

What to Do After a Natural Disaster

If your vehicle is damaged or destroyed following a natural disaster, you should reach out to your insurance agent as soon as possible. Be sure to include any formal documentation, such as police reports and photographs. Your carrier may dispatch a claims adjuster who will inspect the situation. If approved, you can receive a payout for up to your policy’s limits and minus your deductible.

We’re Here to Help

Contact Best Insurance Services today to learn more about covering your vehicle against natural disasters or to compare personalized auto insurance quotes.

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.