Does Car Insurance Cover Hurricane Damage?

If you’re a Florida resident, there’s always the looming possibility of getting hit with a hurricane during hurricane season. You’re probably wondering what type of car insurance covers hurricane damage. Most — but not all — comprehensive andcollision insurance packages cover weather-related vehicle damage, especially that caused by hurricanes. 

“Does my car insurance cover hurricane damage?”, you might be asking. North Miami Mitsubishi is here to help. Review your existing North Miami insurance package and make sure your vehicle is protected, or reach out to our staff and read on to learn more! If you’re in the market for a new Mitsubishi vehicle, our research section can help.

What Type of Car Insurance Covers Hurricane Damage? 

If you’re not sure what your insurance covers in terms of weather-related vehicle damage, it’s important to review what you have. Check “Covered Perils” to see if your car is covered if it’s damaged by a hurricane. Make sure you’re covered for the following categories: 

• Damage When Driving: Make sure your insurance stipulates that you won’t be at fault for damages caused by adverse weather conditions while you’re on the road. 
• Falling Debris: If your vehicle is damaged by downed power lines or falling trees, this coverage will take care of any repairs. 
• Wind Damage: Make sure your insurance package includes a wind damage clause to recoup any losses. 
• Water Damage: This coverage is very important, as flood damage will easily wreck your vehicle. 
• Corrosion: A good insurance package also includes coverage for corrosion damage. If your vehicle becomes damaged by salt water, usually caused by a hurricane, this can protect you from the costs of repairing any rust. 

How Do I Submit a Hurricane Damage Claim?

Now that you know the answer to whether car insurance covers hurricane damage, make sure it’s included in your existing insurance package. If your vehicle becomes damaged by a hurricane, here’s how to submit a claim: 

• Inspect Your Vehicle: Make sure you fully inspect your vehicle as soon as it’s safe to go outside. Write down any damages and take photos of your vehicle and the surrounding environment. 
• Get an Official Inspection: Make sure you call North Miami Mitsubishi. We can perform an objective third-party inspection of your vehicle, so you won’t have to rely on the insurance agency’s inspector. 
• File The Claim: Once you’ve received an official inspection, file your claim. Provide the agent with photos, your account of the damage, and our inspection report.
• Wait for Your Settlement: Your insurance adjuster will review the claim and pay your settlement out. 

Learn More About Car Insurance Coverage from North Miami Mitsubishi

Now that you know the answer to, “Does car insurance cover hurricane damage?”, turn to North Miami Mitsubishi for any more finance and insurance questions. Whether it’s refinancing a car loan or learning about the Mitsubishi Warranty, we can answer any lingering questions you have about Misubishi or general car-buying topics. Get your car ready for hurricane season in North Miami with North Miami Mitsubishi. See you shortly!

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