Does My Car Insurance Cover Weather Damage?
From hail to high winds, damage to your vehicle due to weather-related events is typically covered by insurance. But, it depends on the coverage on your specific policy. Usually, if you have comprehensive coverage, you’ll be able to depend on your insurance to help you recover after storm damage.
If you’re an American Family customer, find out what type of coverage you have by logging into My Account or MyAmFam, or by connecting with your American Family Insurance agent — they’ll be happy to walk you through your coverages.
What Types of Storm Damage Is Covered Under Comprehensive Car Insurance?
Comprehensive coverage is designed to cover damages to your vehicle caused by external events out of your control. Common types of weather events that are typically covered include:
Windstorms and tornados. High winds can send debris flying through the air. And if your car is damaged during a covered wind event, comprehensive car insurance can typically help pay for these damages.
Hail. If you have comprehensive coverage in your auto insurance policy, it typically pays for any hail damage to your vehicle.
Flood. Whether the river is on the rise or a storm surge pushes tidal waters up your driveway, comprehensive coverage will generally protect your car if it’s damaged by a flood.
Lightning. If lightning hits a tree during a storm and the tree damages your car, you’ll be covered.
Falling objects. Storms can unseat fixed items on roofs and upend trees. If your car is damaged by a falling object, your comprehensive insurance can help cover the cost of repairs.
Hurricanes. If any or all of the above should befall your car during a hurricane, you’ll be covered with a comprehensive policy.
What to Do When You Discover Storm Damage to Your Car
When it comes to car insurance and storm damage, you’ll want to follow these tips for assessing damage to your car:
- Downed power lines can be a concern — you don’t want to tangle with electricity
- Approach the car with caution and walk around to assess the damage
- If your car is seriously damaged, you shouldn’t drive or get into it
- Take pictures to document the car from top to bottom before any storm clean-up begins
- Don’t forget to take pictures from the inside if it’s possible to do so safely
If the storm damage is relatively small or cosmetic — like light hail damage — you might be able to safely drive your car. The best course of action is to connect with your insurance agent and don’t authorize any repairs until your agent has given you the go-ahead.