Severe tropical storms and hurricanes usually weaken to tropical depressions by the time they reach areas like Ramseur, NC, but that doesn’t mean the area is spared from significant damage. Isolated tornadoes can still cause real destruction, and these storms often bring intense wind gusts and flash flooding. Your auto insurance may be able to help.
Liability Coverage
Unfortunately, liability coverage won’t help much when a tropical storm causes damage. This type of coverage only applies to another person’s vehicle or injuries if you’re found at fault in an accident.
Collision Coverage
This coverage typically applies when you’re in an accident, including a collision with an object like a tree or a downed telephone pole during a storm. It can also help if you lose control while swerving to avoid debris. However, it generally won’t help if your car is parked and damaged by the storm while unattended.
Comprehensive Coverage
Comprehensive coverage can help repair your car if debris or a falling tree damages it while it’s parked. It may also cover damage from flash flooding or wind. That said, comprehensive coverage usually doesn’t cover accident-related damage, so whether your policy applies ultimately depends on what caused the damage and whether the car was parked at the time.
Additional Options
Many policies include optional add-ons that can help further. For example, full coverage policies often include rental car reimbursement. An agent at Allen Insurance Agency can review your policy to determine exactly what type of coverage you have.
Agents at Allen Insurance Agency will work with you after a hurricane or severe storm to assess the damage and determine whether your policy can help. Our representatives will patiently walk you through the claims process. Contact us today to learn more. We’re currently serving the Ramseur, NC, area.
