If your car is damaged during a storm, coverage possibilities will depend on which type of car insurance policy you have.
Will Car Insurance Cover Storm Damage?
Comprehensive car insurance will cover drivers for accidental damage, which can be the result of a storm. Things like falling trees or debris and even flood damage will likely be covered.
It’s always wise to reference your terms and conditions as there may be some limitations. If you have third party insurance, coverage is unlikely in most cases related to storm damage.
What Type Of Storm Damage Is Covered By Comprehensive Insurance?
It’s no secret inclement weather can result in damage to your car. Comprehensive car insurance will typically cover repair costs related to the following:
- Snow and ice damage.
- Fallen trees or debris.
- Lightning.
- Hailstorm damage.
- Flood damage.
The damage types and situations insurers cover will vary, so always make sure to reference your specific policy.
Is Storm Damage To A Car Classified As Accidental Damage?
If a storm ultimately damages your car, drivers may see it as accidental damage. However, insurers view storm damage as natural and unavoidable, which means it is not deemed accidental.
Claims due to bad weather will typically fall under the “at-fault” category since the insurer cannot recover the costs from elsewhere. This means when a driver files a claim for storm damage, it will usually affect the no-claims discount (NCD). When it comes time for renewal, it’s likely you’ll see your premiums increase.
When Is Storm Damage Not Covered?
There are certain situations where car insurance may not cover repairs/replacements. Here are a few typical exclusions for storm damage:
- You will not be covered if you choose to drive through a flooded street when it could have been avoided.
- If you were driving carelessly, you will not be covered by insurance.
- Ignoring warning signs like closed road signs will result in no coverage from your insurer.
- Normal wear and tear of the car will not be covered.
What To Do When Your Car Is Damaged By A Storm
If your car has been damaged by a storm and you have comprehensive car insurance, follow these steps when filing a claim:
- Talk to your insurer before removing any debris from your car.
- Have your insurance policy ready, at this time.
- Take as many photos/videos of the scene as possible.
- Refrain from attempting any repairs yourself.
- Your provider may want to come and assess the damage to your car.
- Check if you need to use an approved mechanic for the repairs.
- Save all receipts.
- You’ll be liable for your excess so you must pay a specified amount toward the claim.
Conclusion
Of course, you can never predict when a storm may damage your vehicle. There are, however, a few preventive steps you can take to avoid costly repairs.
Try to always park your car in a garage, if possible. Ensure all windows and doors are shut when the car is parked. You should also actively avoid parking your car in a low-lying place that made be vulnerable to flooding.
Ascot Automotive Specialists In Flagstaff, AZ
Ascot Automotive offers an extensive array of auto repair solutions to address every issue your vehicle may encounter. From routine maintenance to intricate repairs, our adept technicians possess the expertise to keep your vehicle running smoothly. Contact our experienced team today!
