Hurricane Auto Insurance
If you own a vehicle and live in an area that is prone to hurricanes, you might want to consider acquiring hurricane auto insurance in case of damage. Insurance policies are not always clear on what is covered under your plan-it can be helpful to look into other options to make sure you are fully prepared in the event of a major storm.
We are here to answer some of your questions about hurricane auto insurance. And, what to do in the event that your insurance company is not compensating you accordingly in the event of damages to your vehicle.
Types Of Damages
Hurricanes are incredibly dangerous and can cause major damages to your car, truck, or motorcycle. Some of these include:
- Water damage or flooding
- Mechanical problems
- Corrosion due to saltwater
- External damage from fallen trees or branches
- Dents or broken windows from flying objects
- Strong winds moving or flipping your vehicle
What Is Hurricane Auto Insurance?
Like more insurance plans, there is no “hurricane insurance policy” that protects against all areas of damage as a result of a storm. So, in terms of hurricane auto insurance, it falls under comprehensive auto insurance plans. These plans protect against vandalism, theft, and extreme weather.
When considering damage to your vehicle due to a hurricane, you are covered. As long as your policy was purchased prior to the issuance of the storm warning. However, do not expect the reimbursement process to be easy sailing.
Check out SCDOI for more information on comprehensive auto insurance.
How Much Does It Cost?
Just like homeowners insurance, the cost of comprehensive auto insurance will vary depending o where you live and the current value of your vehicle. These plans, however, tend to cost a few hundred more dollars per year in premiums. It may seem like a lot at the time, but, if you are more susceptible to hurricanes, it can be well worth it. The cost of damages due to a hurricane can be exponential. You want to make sure you are covered by insurance.
In South Carolina, drivers pay around $125 er month for full auto coverage. The minimum in the state is on average $46 per month. The Zebra provides more information on cost and provides you with a free quote for your area and vehicle.
When To Buy?
This is important to take into consideration when looking to purchase a comprehensive auto insurance policy:
- It must be purchased prior to a storm warning or the naming of a hurricane
This means that it cannot be purchased as a safeguard once the hurricane warning has been issued. You must allow for at least 24+ hours before. Thus, if you believe you are at risk of your vehicle being damaged by a hurricane or tropical storm, it might be a good idea to buy insurance in advance.
When To Contact A Lawyer?
In many cases, insurance companies are a pain to work with. So much of your time is spent fighting for proper compensation when you are also recovering from damages caused by the storm. If your insurance company is denying, delaying, or undervaluing your claim, contact an attorney right away. Leave the frustrating back and forth up to us, and focus on a speedy recovery.
We offer free consultation for all individuals who are struggling with SC hurricane auto insurance claims. Even if you have been told “no”, you might still have a case. Contact one of our attorneys today to start the process of getting your compensation.