WORKING WITH INSURANCE TO COVER CAR DAMAGES DONE BY THE HURRICANE

Over the last few months, many storms and natural have disasters have raged on causing untold damage and decay across the United States. With many people losing everything they had, it’s very difficult to see any kind of positives in a storm. One of the most common worried during a storm, though, is the fact that many peoples’ cars will be damaged. Flood damage does not just stop at the door of the house – or the roof, in some circumstances. Many times, it finds its way inside and does massive damage – and your car is no different.

When a storm subsides and your car has been damaged, you face an anxious wait on the phone to the insurance companies to find out if they will cover storm damage caused by a hurricane. While it depends entirely on the policy that you took on – and many disregard ‘Acts of God’ as viable settlement reasons – working with your insurance company to try get compensation is worthwhile.

Now, if you have comprehensive cover then you will get at least some kind of compensation towards the car being repaired. However, it is rare that you get the full volume of money needed to repair the car so it’s important to expect to need to pay some kind of money towards the car damages done by the hurricane.

However, flooding and storm damage is usually covered in most forms of comprehensive cover. If you have this kind of cover then you should be able to get at least some kind of assistance. Most forms of comprehensive cover are made specifically to try and cover this kind of incident, anyway, so you should feel a little bit easier about finding an amicable solution.

Determining the Reward
However, it does all come down to what kind of policy you have. Since a lot of people just stick to basic liability insurance, and most people avoid comprehensive cover because of the comprehensive costing, you might be out of luck. Still, go and check it out because most of the time a comprehensive policy can be something you weren’t aware you have. Most people just know if they are insured or not!

At the same time, you should look at the level of deductible that was chosen during with the claim. Every policy comes with various compromises that you need to make to help keep premiums down, and this can include large deductibles. Storm damage could cost you a lot of money to get your car fixed up, and a deductible of around $500-1000 is common if you chose a minimized set of premiums.

Also, if the damage to your car is (somehow) deemed to be worth more than the value of the car, you will likely get only the value of the car. If you drive something older, this can be an issue. As ever, work with the company and if you feel like you are getting the raw end of the deal, contact some kind of legal consultation