Is My Car Covered if it Gets Hit by a Tornado?

Many people just automatically assume that their car insurance policy will protect them in the event of their vehicles being hit or damaged by a tornado or the falling debris and severe weather from a tornado. Unfortunately, however, not all policies will cover damages such as these, and sometimes the car owner is left out in the cold and is then forced to either take a loss or pay for damages to the vehicle out of pocket. It is up to the driver to make sure that his or her policy covers tornado damage and other forms of weather damage, especially in states where tornadoes, hurricanes, or other inclement conditions are common.

The good news for drivers is that if they have comprehensive coverage, their vehicles will most likely be covered in the event of damages to their car sustained due to severe weather. This covers flooding as well as hurricanes, tornadoes, and other natural phenomena. However, comprehensive coverage is generally not required in most states, so many drivers are putting their cars at risk by driving or owning a vehicle without comprehensive coverage. Even if you can only afford to take out a very minimal amount of comprehensive coverage, it is important that you do so. Contact your insurance provider today to ask about adding on comprehensive coverage, and always check to be sure this coverage will include tornado and other weather damage protection.

If you do not currently own your car or if you have a loan out on the car, then you will be required to have comprehensive coverage that will protect you in the event of a tornado or other damage. As such, you really don’t have to worry about coverage in this situation. What you should be aware of, however, is the amount of coverage that you have and whether or not it will actually help you in the event of damages to your vehicle.

In assessing how much comprehensive coverage you need in terms of weather damage, you really have to consider where you live. If your state or town is very prone to tornadoes, hurricanes, or other severe weather, then it can be a good idea to take out larger amounts of coverage than the average policyholder. Areas that are particularly prone to dangerous, inclement weather include Louisiana, Mississippi, Florida, Tennessee, and Arkansas.

However, in modern times, some states that may seem safe are getting shocked by surprising tornadoes. Consider the recent havoc reeked on the state of North Carolina and the small town of Joplin, Missouri. Many of the residents of these areas where not adequately prepared for tornado damage and are now paying the price. To keep this from happening to you, you should always be somewhat prepared for a tornado or other weather damage, even if you think that it is very unlikely to happen. The truth is that sometimes the impossible does happen, and this is what insurance coverage is there for.

One of the many reasons that people opt not to take out comprehensive coverage or to have lower amounts of comprehensive coverage than they actually need is, of course, because of increased premium costs. However, you shouldn’t let a lack of money stand between you and the protection that you need and deserve. If you truly want to protect yourself and your vehicle, then it is up to you to get out there, research a wide variety of different providers, and find an adequate coverage option that you can afford. Contrary to popular belief, they are out there; they just take a little more searching than the average person wants to do.

Even if you are happy with your current provider, it’s a good idea to make comparisons between it and other providers every so often. You won’t want to miss out on a great deal simply by becoming complacent with your coverage. Also, try to obtain discounts whenever possible by talking to your provider about available discounts and choosing to work only with those providers who care enough about you to offer discounts. Multi-policy discounts, safety feature discounts, anti-theft discounts, and more are all great ways to save money on coverage.

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