Auto Insurance With Hurricane Coverage

Dealing with hurricanes every year is nothing new, especially for those that reside in the South-Eastern and gulf regions of the United States. In 2005, Mother Nature really made her presence known with the help of hurricane Katrina, Gustav, and a few others that battered the coasts that year. If you didn’t prepare yourself, your home, your car, and other valuables then, chances are you’re paying the price now. The best way to avoid future problems is to be prepared and have proper insurance coverage. Continue reading below to learn about hurricane evacuations, car safety during hurricanes, and car insurance with hurricane coverage.

auto insurance with hurricane coverage

Plan Your Hurricane Evacuation

The local weather authorities will issue evacuation warnings whenever a natural disaster is looming, but many times it’s too late, or the enormous surge of vehicles on the road will prevent you from leaving for hours. It is best to monitor the storm yourself, instead of waiting for the final decision. It can’t hurt to evacuate beforehand, just to play it safe. This will ensure you get off the coast to safe area, with your loved ones, your car, and other valuable possessions. Don’t forget to bring social security cards, government IDs, banking information, home and car titles, and of course, your auto insurance; which you should have in your car at all times anyway.

Hurricanes And Car Safety

When a hurricane is heading toward the coast, you better hope your car is in tip-top shape, and has a full tank of gas. You may have to gas up days before the evacuation date, as gas shortages are fairly common in these desperate situations. Take your car to the mechanic to get an oil change, necessary repairs, and new tires, if any of these are needed. Driving conditions during these brutal storms, can be equally dangerous.

You of course should reinforce the house where ever possible to reduce damage. Windows and doors are particularly important to board up. But don’t forget to reinforce your garage as well! Large objects like ladders and wood should be moved from the garage to avoid unnecessary damage. Cover your car with a tarp, or something with padding, if you have it. Secure the tarp as best you can.

Hurricane Coverage

Protection from hurricane damages requires a comprehensive coverage policy. If you live in an area prone to hurricanes, get comprehensive coverage well in advance. Some companies will set restrictions on auto insurance for those living in these areas during hurricane season.  In addition, federal law requires it take 30 days before comprehensive coverage goes into effect from time of signing. Check out the tips below to learn more about hurricanes and auto insurance.

Important Things To Consider About Hurricanes And Auto Insurance

  • Auto insurance companies will put restrictions on purchasing of hurricane coverage whenever a storm warning is put into place.  This is to protect them from people who did not prepare properly and wish to purchase insurance only-for-the-storm.
  • How long these restrictions last vary from company to company.  These restrictions usually include not allowing new coverage applications, increasing of limits, and adding coverage.  They usually last until 48-72 hours after the storm warning ends.
  • If you have auto insurance that is set to expire during hurricane season, you should probably search around and get new coverage far in advance.  This way you will not be caught without insurance incase one of those binding restrictions comes into play.
  • If you are planning to buy a new car, avoid doing it near hurricane season.  These restrictions could prevent you from insuring your brand new vehicle properly.
  • Keep an eye on the weather.  Monitor hurricanes approaching so that you know when you should add or update coverage to your existing auto insurance policy.

Getting Auto Insurance With Hurricane Coverage

The best way to avoid extra insurance costs is to follow the advice above. Being prepared helps you avoid ever having to file a claim. If you don’t have your car ready for hurricane season, chances are your premiums will incrase.

To purchase auto insurance that has comprehensive (hurricane) coverage, start by entering your zip code above and see if you qualify for hurricane auto insurance protection. Don’t procrastinate on getting coverage, hurricane season is always just around the corner. You’ll be happy you did.

Additional Resources Regarding Hurricanes And Auto Insurance

  • NASDAQ.com – A hurricane is coming. What will cover damage to my car?
  • Insurance.com – Car insurance for hurricane season.
  • About.com – Does car insurance cover damage from hurricanes?

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