What Happens If You Crash Your Car During a Natural Disaster Like a Hurricane or Tornado?

Severe weather can strike with little warning, making driving incredibly dangerous. Whether it’s a hurricane, tornado, or another extreme weather event, road conditions can deteriorate quickly, increasing the risk of accidents. If you find yourself in a crash during a natural disaster, you might wonder how your insurance coverage applies. At Peter Laczko Insurance Inc., we proudly provide auto insurance to Woodstock, GA, residents. We want drivers to understand what to expect in these unpredictable situations.

Auto Insurance Coverage During a Natural Disaster

The good news is that most standard auto insurance policies cover accidents caused by severe weather. If you have comprehensive and collision coverage, your policy should help pay for damages to your vehicle, even if the accident was caused by high winds, flying debris, or flooding. However, if you only carry liability insurance, you may not have coverage for repairs to your own car.

Non-Collision Damage During a Natural Disaster

Sometimes, a natural disaster damages your car without an actual crash. Comprehensive coverage is essential if a tornado lifts debris that smashes your windshield or a hurricane causes flooding that ruins your engine. This type of policy protects against non-collision damage, ensuring you’re not left paying out-of-pocket for weather-related destruction.

Preparation Before the Storm

Natural disasters are unpredictable, but your insurance coverage shouldn’t be. Ensuring you have the proper protection can prevent financial headaches after a storm.

If you need help reviewing your auto insurance policy, contact Peter Laczko Insurance Inc., serving the greater Woodstock, GA, area, today. We’ll ensure that you’re covered no matter what the weather brings.