Does car insurance cover weather damage?
Dealing with destruction after a natural disaster can be overwhelming. Even if your home hasn’t been damaged, your vehicle may have sustained significant damage. If you have car insurance, your car damages will likely be covered, but there are some important factors to consider.
Types of damage covered by auto insurance
While most car insurance will cover “Acts of God” (damage caused by the elements) or weather-related incidents, it also depends on the type of insurance you possess. The most basic level of car insurance won’t cover as much as comprehensive or all-risk car insurance.
Generally, damages caused by hail, water, trees, and high winds are covered by car insurance. Fire damage also is typically covered; however, if the fire was a result of a vehicular accident rather than a natural disaster, it will be most likely be covered by collision insurance.