Disaster Auto Insurance | DriversLicenseAdvisors.org

DriversLicenseAdvisors.org’s Guide to Auto Insurance Options to Consider for Regional Weather Disasters

Weather disasters can occur and shake an entire community, state or region. Especially in areas that are prone to natural disasters, residents should take the necessary precautions to protect their homes and vehicles and prepare for any damages or destructions discovered in an aftermath. While many people are not advised to drive in weather conditions such as hurricanes, tornadoes and earthquakes, cars can still be severely damaged by sitting in a driveway. Luckily, catastrophes are usually covered by auto insurance companies if you have comprehensive coverage.

Learn about your auto insurance options for regional weather disasters provided by our team at DriversLicenseAdvisors.org in the sections below.

Comprehensive Coverage

While comprehensive coverage is not required by states, our team at DriversLicenseAdvisors.org highly recommends exploring this option if you live in an area prone to natural disasters. Also known as “other than collision” coverage, comprehensive coverage covers damage that is out of your control. This typically includes theft, vandalism, falling trees/limbs, hitting a deer and natural disasters. Natural disasters may include fires, earthquakes, tornadoes, hurricanes and floods. Most auto insurance companies, if not all, have comprehensive coverage. If you have comprehensive coverage, file a catastrophe claim through your auto insurance company online, by phone or with a mobile app. The claim requests that your insurer pays for your damages or losses. You will be expected to pay a deductible out of pocket. For example, if your car has experienced $5,000 in damages, you may pay $1,000 in deductibles and your insurer would pay the rest.

Collision Coverage

Collision coverage is an optional coverage that covers any losses or damages in the event of an accident or collision. Comprehensive coverage and collision coverage typically get confused with each other but they apply to different events. While it does not cover events out of your control such as natural disasters, it does cover any collision that may have occurred during a natural disaster or during the aftermath. Perhaps you swerved off the road and crashed into a tree because of wet roads. Because you chose to drive, the accident was in your control. Our team at DriversLicenseAdvisors.org advises you to practice safe driving during poor weather conditions and to avoid driving at all costs during a natural disaster.

Catastrophe Claims

Auto insurance companies typically have response teams ready to help after a natural disaster. For example, Progressive's National Catastrophe Response Team responds to weather-related emergencies such as hail storms, hurricanes and floods that affect a large portion of their customers. The team concludes how much damage was caused by the storm and how many customers were affected. They then construct a recovery plan to implement that provides relief to victims. DriversLicenseAdvisors.org recommends that you have your auto insurance company’s number written down on a piece of paper in case you are not able to access a computer or internet connection in the wake of a natural disaster. Check with your insurer to find out how long you can wait before filing your claim after a disaster. Don’t forget to inspect your car fully and to take pictures of any damages you may find as a result of the disaster.

Join the Green Movement

Many auto insurance companies have recognized the positive benefits involved with “going green”. There is increasing evidence that high energy demands and carbon emissions have a negative effect on weather throughout the globe. Many auto insurance companies offer discounts for earth-friendly cars. If you have an earth friendly car, call and talk to your insurer about any potential discounts. If you don’t, consider joining the movement. While this option does not cover any damages to your vehicle as a result of a natural disaster, it does provide a discounted price when paying for a coverage that would. DriversLicenseAdvisors.org advises you to call your insurer to find out any additional details related to coverage in the event of a natural disaster.