If you have just bought a new vehicle or you got a used car, you may worry about losing it after a flood, snowstorm, or hurricane. Hurricane Rafael may not affect you, but there could be any other natural disasters in the future.
As a matter of fact, comprehensive coverage may help you with hurricane damage-related expenses. So, it may be a good option to help you pay the cost of repairs or even get a replacement for your vehicle.
Some car insurance coverage covers hurricane damage
It is important that when you hire car insurance, you ask for the details regarding hurricane damage. In general, comprehensive coverage should cover this cost or part of it.
Bear in mind that comprehensive insurance is the type you will need in case of a storm. Nevertheless, it will depend on when the damage takes place. Imagine you are driving when a hurricane causes an accident.
In this case, you will need collision coverage. So, it will also be advisable to check if you have this sort of car insurance coverage. Of course, there can be other situations in which your car may be affected by hurricanes.
When does your car insurance not cover hurricane damage?
For your information, some car insurance policies do not offer the possibility to cover hurricane damage. Since state laws do not demand physical damage coverage for cars, you may not have hire comprehensive insurance.
Those American drivers with the minimum amount of car insurance required will certainly not be covered by hurricane damage. Do not forget that insurance companies may not allow you to get comprehensive coverage right before a hurricane.
In fact, they tend to implement a hurricane moratorium. This happens when there is a storm alert in a State. So, it is best to get comprehensive coverage once the hurricane season is over.