Your Car Was Damaged in a Storm, Now What?
Did Mother Nature take your car for a ride? If you’ve discovered that your vehicle didn’t weather a storm very well, it’s time to file an insurance claim and repair the damage. Whether your car was dinged by hail or hit by falling debris, we’ll help you determine if you’re eligible and walk you through filing your claim.
Is Your Vehicle Covered for Storm Damage?
Storm related damage to your car is typically covered under comprehensive car insurance. Not all states require you carry comprehensive coverage on your car, so this is an optional plan. If you have comprehensive coverage, then you’re most likely covered. If you didn’t select this type of coverage, you’ll probably have to pay the repair costs out of pocket. To find out what type of coverage you have, connect with your American Family Insurance agent. They’ll be happy to walk you through your coverages.
What to Do When You Discover Storm Damage to Your Car
Safety comes first when your vehicle has been damaged. Downed power lines can be a concern and you don’t want to tangle with electricity. Approach the car with caution and walk around to assess the damage. Take pictures as you go so you can document the car from top to bottom before any storm clean-up begins. Don’t forget to take pictures from the inside if the interior has been damaged, too.
If your car is seriously damaged you shouldn’t drive it. It’s not safe at that point and you may actually cause more harm. However, if the damage is relatively small or cosmetic, like hail damage, you might be able to safely drive it. But, in both situations, the best course of action is to connect with your insurance agent, send them pictures of the vehicle and damage and ask what your car insurance policy suggests.
Whether your vehicle has minor or major damage, don’t authorize any repairs until your insurance agent has given you the go-ahead.
Options for Reporting Your Car Insurance Claim
If you have your insurance agent on the phone, they can walk you through the process of reporting your claim. This might be the quickest and easiest way for you to make a claim and to ensure you have all the information you need.
Filing claims online is super convenient, but you’ll want to have some information handy so you can answer all the questions. The Report a Claim feature on the American Family Insurance website walks you through the process. Make sure you have your insurance card or a recent billing statement with your policy number on it nearby. You’ll also need information regarding the vehicle, especially if there is more than one on your policy. When they ask for comments, try to detail what damage occurred and how. It’s possible you don’t know exactly what happened, but it helps if your agent knows if the damage is from wind, hail, water/flooding, or debris.
What Happens After I File My Claim?
Your agent will connect with you after you file your claim to let you know what is covered and how to proceed. If your vehicle isn’t running and you have emergency roadside service, you can get a tow to the nearest shop for repairs. If you have rental reimbursement coverage and your vehicle will be in the shop for a while, you’ll still have wheels to keep you on the road!
With American Family auto insurance, you can go to a Dreams Restored repair shop and the bill will be sent directly to American Family Insurance. You’ll be notified if there is any deductible for you pay. It’s that easy!
If you decide to go with another repair shop, American Family will work with the shop to coordinate damages and charges to get you back on the road as soon as possible. Your American Family Insurance policy will take care of covered charges, minus your deductible.
If you want more information on how to file a storm-related claim on your car insurance, check with your American Family Insurance agent. It’s also a great idea to stay ahead of storm season and review your auto insurance policies, just to be sure you have all the coverage you need.