Does Auto Insurance Cover Damages From Natural Disasters?
Does auto insurance cover damages from natural disasters? Most insurance providers will cover collision and theft, but not all will cover damage from natural disasters. If you have comprehensive coverage, your car will be covered for damages sustained from floods, hurricanes, fires, or any other natural disaster.
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UPDATED: Oct 30, 2020
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In recent years, there have been many major natural disasters to strike the globe. Hurricane Katrina, the Japanese earthquake, the Southeast Asian Tsunami, and the Chinese earthquake are just some of the major disasters we have had to face. When searching for auto insurance quotes, customers need to factor in the natural disaster possibility. Most insurance providers will cover collision and theft, but not all will cover damage from natural disasters.
Natural disasters can destroy your car. The Chinese earthquakes flattened entire cities. Tornadoes in the southern states threw houses hundreds of feet in the air. Floods in Pakistan swept away villages. If Mother Nature can exert her wrath on such large objects, imagine what she can do to your automobile.
Many experts and scientists agree – it is only a matter of time before a major disaster strikes the United States. Seismologists are even predicting a major earthquake to strike California in the next few years. Because of this, it is very important for you to make sure your car is covered in case of a natural disaster.
Most Americans do not live near earthquake or tsunami zones, but that does not mean they are safe. The three biggest natural threats to automobiles in the US are actually floods, hurricanes, and fires.
Floods destroy thousands of automobiles each year. No area is safe from flooding; even Rhode Island was hit by a major flood last year. Floods can be caused by not only rain, but also rising rivers/streams or ocean storms. If you think that floods can’t really harm your vehicle, that you will just need a big blow dryer and a towel to dry everything out, think again! As soon as flood waters rise over your wheels, your car is in grave danger. Because of the damage they can cause, and the fact that they can strike anywhere, all Americans should be equipped with flood coverage.
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Those who live in the southeastern or Gulf region of the United States are probably a little more familiar with hurricanes than they would like to be. Heavy winds causing things to fly into your vehicle, as well as flooding, can cause huge damage to your vehicle. If you live in an area where hurricanes attack often, be sure to get hurricane coverage quickly. Law requires it take 30 days before insurance coverage goes into effect from the time of signing.
Southwestern states, especially California, seem to get a nice toasting from Mother Nature on a regular basis. But although SW states are hit the most, the other states are not out of the woods just yet (no pun intended). “Nearly every community in the U.S. has some level of risk from brush, grass or forest fires,” Michael Steinberg from the National Fire Protection Association says. If you think you are at risk, it’s probably best to buy this type of coverage. Fires can burn cars to a crisp. Melted windshields and charred paint-jobs are just some of the damages that fires can cause.
How to get protected from these natural disasters
Wouldn’t it be nice if you could protect yourself from all natural disasters by simply buying one type of coverage? Well, we have good news for you – you can! If you have comprehensive coverage, your car will be covered for damages sustained from floods, hurricanes, fires, or any other natural disaster. Although many insurers allow you to buy protection for individual disaster types, buying comprehensive coverage to protect yourself from all types of natural disasters is often times just as cheap.
Not only does comprehensive insurance cover damages from natural disasters, but it also covers theft, vandalism, and damages from animals. Those living in areas prone to these bizarre and unpredictable occurrences are strongly urged to buy a comprehensive coverage plan. (Note – Areas that pose a higher risk to the insurance company will naturally see higher comprehensive coverage rates. For example, Florida might have high rates because of their frequency of hurricanes.)
If you are interested in purchasing comprehensive coverage, simply call up your insurance agent. Adding a comprehensive plan to your policy should be as easy as paying an extra few dollars on your monthly premium.