Car insurance covers natural disasters if you have comprehensive coverage before the disaster happens. Comprehensive car insurance is optional coverage for damage caused by events outside your control, like natural disasters, other major weather events, theft, vandalism, and incidents with wildlife. It’s not required by law, but comprehensive coverage may be required by your lender if you finance or lease your car.
In the event of a disaster, you will have to pay the deductible for your comprehensive policy before your insurance company covers the rest of the bill. Still, comprehensive coverage is usually an affordable addition to an insurance policy and could save you a lot of money in a disastrous situation.
Comprehensive car insurance covers natural disasters like:
You may not live in a tornado or earthquake zone, but the biggest natural threats in the U.S. are floods, fires and hurricanes. Flooding alone has affected all 50 states in the past five years, so everyone should check if they need to carry comprehensive car insurance for natural disasters.
On that note, insurance companies prevent people from buying coverage as major storms approach. So you’ll need a comprehensive policy well before a disaster hits.
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