Does car insurance cover hurricane damage? This question is about Best Comprehensive Car Insurance

Does car insurance cover hurricane damage?

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This question is about Best Comprehensive Car Insurance

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@WalletHub • 05/21/21 This answer was first published on 05/21/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, car insurance covers hurricane damage if the policyholder has comprehensive insurance. Comprehensive coverage pays to repair or replace a car that was damaged by something besides a crash, such as a natural disaster, an animal, or vandalism.

Comprehensive insurance is subject to a deductible, which means that it might not be worth filing a claim if the damage is minor. However, filing a comprehensive claim will have less of an effect on your future insurance rates than a claim for something related to your driving habits, like an at-fault accident. Damage covered by comprehensive insurance is generally out of your control, after all.

For more information, check out WalletHub’s complete guide to comprehensive insurance.

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Does car insurance cover repairs?

No, traditional car insurance does not cover ordinary repairs or maintenance to your car. If your car is covered by comprehensive insurance, your insurance company will cover mechanical repairs caused by a car accident, natural disasters, or other unforeseeable events.

Insurance companies do offer a type of coverage that policy holders can use for repairs. This coverage is called mechanical breakdown insurance (MBI), or repair insurance. MBI is offered by some insurance companies and comes with a...

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Does comprehensive insurance cover theft?

Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.

Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the...

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What does car insurance not cover?

Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder’s injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.

However, exact coverage exclusions vary between policies. In addition, insurance companies offer extra policy add-ons that can protect you in situations that don’t fall under minimum car insurance coverage.

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