Does Auto Insurance Cover Tornado Damage?

​The answer is yes, depending on the policy coverage. If your car is caught in a tornado, extensive auto insurance will protect you financially. On the other hand, comprehensive insurance is optional to your policy.

How To Know What Tornado Damage Insurance You Need?
Are you concerned about tornado damage and claims caused by spring storm conditions, including rain, windstorms, or hail? 

Examine your standard home and auto insurance policies, including basic provisions for tornadoes and other weather-related risks. Comprehensive coverage is the only type of car insurance that typically covers tornado damage.

1. Create A Tornado Insurance Checklist
   Make a basic checklist of things you can do ahead of time to prepare for a tornado to avoid damage and increase your safety. The purpose is to prevent damage to your property and ensure that you get the best settlement if you have to file a claim.
   
   
2. Take A Proactive Approach To Tornado Damage Insurance
   Tornadoes can appear from any direction and are sometimes accompanied by lightning, hail, thunder, and rain. The force and sudden appearance of a tornado, which destroys property with little warning, is one of the most significant risk factors.
   
   As a result, being prepared will make a huge difference in how you come out of these dramatic weather conditions, not only for your family's safety but also for the type of insurance you have.

What Is A Comprehensive Insurance Plan?
Comprehensive insurance pays to fix or replace your vehicle if it is lost or damaged in an incident other than a collision. Comprehensive coverage, also known as "other than collision" coverage, includes damage caused by vandalism, fire, or falling objects such as a tree or hail.

Comprehensive coverage may also pay to repair or replace a damaged windshield caused by a fallen tree branch or structural repair damage to a car caused by a total collapsed garage.

Tornado Types Covered By Comprehensive Insurance Policy

• Lightning
• Flying debris
• Flooding
• Damage caused by downed power lines
• Hail damage
• Electrical damage

Tornadoes are capable of filling automobiles with debris, flipping them over, picking them up, and dropping them somewhere else. Your automobile might be seriously damaged if you park it near anything that could go airborne during a tornado, such as trees, lawn furniture, or gravel.

Tornado-producing spinning supercell thunderstorms produce catastrophic hail, heavy rain, and toppled power lines, all of which can cause further damage.

What Is A Liability Coverage Plan?
Liability coverage is to compensate you for property damage and bodily harm caused by the accident in which you were at fault. 

Liability Insurance Is Divided Into Two Parts:

• Others injured in an accident are compensated under bodily injury coverage.
• Damage to property coverage compensates you for damage to someone else's property.

Conclusion
After your insurance deductible is met, you will be compensated for any damage caused by a tornado to your vehicle if you have comprehensive insurance as part of your car insurance policy. If there are reports of an impending storm or if violent weather is common in your area, certain precautions will help protect your vehicle.

At Robert Nichols Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (561) 406-6153 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.