Will My Auto Insurance Policy Cover Flooding and Hail Damage?

Picture this scenario: The storm outside is raging. You can hear the hail hitting your car. And, you can see the water rising. It has even gotten so high that it is at the edges of your car door. You are now worried about what may happen if your car is flooded or damaged from hail. Will your auto insurance be there to help you?

In some cases, the answer is yes. However, before a storm occurs, it is best to talk to your car insurance provider to ensure that you have the right type of coverage in place.

Does My Car Insurance Protect Against Flooding?

Water can cause a great deal of damage to your vehicle. The electrical system to your brakes can be impacted from a significant amount of rain. This can even lead to mold damage and corrosion. In many cases, auto insurance can help you with flooding coverage. If you have comprehensive insurance in place, which is what is required by your lender if you have a loan on your car, it will likely protect against flood damage.

Will Auto Insurance Protect Against Hail Damage?

Hail can also be very damaging. Hail damage is specifically worrisome since it can shatter windows and leave your vehicle's exterior significantly damaged with pot marks. This reduces the value of your car quite quickly and it can lead to expensive repairs. There's good news, though. Your comprehensive auto insurance plan should also help protect against hail damage. You will need to have a policy with a high enough limit to cover the losses you suffer. And, you will need to pay any deductibles first.

Comprehensive auto insurance is not always required. It is often required if you are leasing or carrying a loan on your vehicle. However, most vehicle owners can benefit from maintaining this policy even if these factors do not apply. If you do not have this type of car insurance in place, now may be the right time for you to consider adding this policy to your current plan. It could save you thousands of dollars in losses if a storm like this occurs.