Do you know if your car insurance will cover any damages when a hurricane hits your area?
While every claim is different, the key is to get your point across, according to Matt Christopher, vice president of claims and services at Shared Services. Clearcover Insurance.
“It’s important to talk to your insurance company or your independent agent,” he said. “You want to make sure you have the right information to handle these situations.”
Several covers can handle weather-related damage such as hurricanes; rock star of them and many stories.
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“Things that come with hurricanes, like wind,” Christopher said. “The wind will knock down branches and damage your car. That’s when all of your gear will come into play.”
Christopher adds that coverage also covers damage from flooding, hail and heavy rain.
You will pay a deductible – the amount you would have in connection with the full offer.
“I’m sharing the risk with the insurance company,” Christopher said.
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Another type of coverage that can come with a hurricane is a collision.
“Think about a hurricane, a lot of rain, and it can cause swerving roads, and you can lose power,” said Christopher. “You can hit another car or a tree or a rock. And that’s when the collision can start.”
And as with everything, there is a deductible associated with a collision, and you will be responsible for paying it to get into it.
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But not all water damage is covered, and every claim will be different, Christopher said. Although most insurance policies do not cover intentional acts, it is best to speak with your insurance company or professional.
“Make sure you have the right information because preparation is key,” Christopher said. “You need to have this information before the storm.”
Christopher said insurance companies can’t provide coverage after a storm, so you need to be prepared before the storm hits.
Driving the storm
It can be difficult and dangerous to drive during hurricanes and typhoons that bring heavy rain and flooding.
The most important thing is to stay away from other vehicles, especially long vehicles, such as vehicles that can be pushed or blown by strong winds. When you pull off the highway to wait out a storm, pull away from trees, power lines, and anything else that could fall into your vehicle.
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Rain can cause hydroplaning when your car slides off the road, leaving you out of control. According to Aceableonline learning platform and driver resources, it only takes six inches of water on the road for your tires to go haywire and lose traction.
A foot of standing water causes most cars to float, leaving you unable to steer or brake. And two feet of water can flood large vehicles, such as trucks and SUVs, and damage your engine, known as a hydrolock.
Therefore, avoid driving in standing water and get out of your car immediately if you encounter a problem.
Auto insurance helps you pay back your repairs but it doesn’t save your life.