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Are Natural Disasters Covered Under an Auto Owners’ Insurance Policy?

Natural disasters are unexpected and can cause vehicle damage that’s anywhere from minor to extreme. If your vehicle is covered by insurance, then you may be wondering if your insurance policy will cover your repairs. Let’s figure out if auto owners’ insurance will help you after a natural disaster damages your vehicle.

Does Auto Owners’ Insurance Cover Damage From Natural Disasters?

Whether or not your auto insurance covers natural disaster damage depends on your insurance policy. In 2018, the National Association of Insurance Commissioners analyzed some data that revealed only 78% of drivers with insurance at the time had sufficient coverage in case of natural disasters.

However, the good news is that comprehensive coverage does protect you in case of natural disasters or, as referred to by some, “Acts of God.” Comprehensive coverage has got you covered in the instance of natural disasters such as earthquakes, floods, storms, hurricanes, tornadoes, and even hail.

How Does Comprehensive Car Insurance Work After a Natural Disaster?

If a natural disaster has occurred and you have comprehensive auto insurance coverage, then you’ll only need to pay your deductible. Your insurance policy will then cover repairs up to your car’s current market value.

If you don’t already have comprehensive coverage, then you should really consider adding it. It’s especially important for drivers who live in states where storms and other natural disasters happen regularly, such as Florida.

What If the Vehicle Can’t Be Saved?

Sometimes your car will be considered a total loss. This means the repair costs are almost equal to or exceed the value of the car. In these cases, your insurance company will pay you the current market value of your car, minus your deductible.

With comprehensive car insurance, you’re covered in the case of a wide variety of natural disasters. If you need auto insurance with natural disaster coverage, then get in touch with DTRT Insurance and get a quote today.

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