Texas Spring Storms and Auto Insurance: Are You Covered?

Spring weather can be unpredictable, often bringing severe storms that can damage vehicles through hail, flooding, and strong winds. It’s crucial for your auto policy to provide sufficient financial protection against such inclement weather to help avoid out-of-pocket expenses.

Understanding Comprehensive Coverage

Comprehensive coverage is an essential element of a robust auto insurance policy. It can financially safeguard your vehicle from damages not caused by a collision. Comprehensive coverage may include:

• Hail damage—Coverage for dents, broken windows, and other vehicle damage caused by hail
• Flood damage—Coverage for your vehicle’s interior and engine due to heavy rain and flash floods
• Fire damage—Coverage for damage caused by a natural event (e.g., a lightning strike) or an accident
• Damage from falling debris—Coverage for damage during strong winds or tornadoes, including falling trees, branches, and other items

It’s critical to review your policy for comprehensive coverage, as it is not automatically included in all auto insurance plans. In addition, adding rental car reimbursement coverage to your policy can help pay for the cost of renting a car while your vehicle is being repaired.

Protecting Your Vehicle Before a Storm

Taking proactive steps to protect your vehicle before a storm is one of the best ways to minimize the risk of damage. Consider these tips:

• Check weather alerts—Stay informed about upcoming storms by checking weather forecasts, alerts, and local news.
• Provide cover for your vehicle—Park your vehicle in a garage or under a sturdy carport to shield it from hail and falling debris.
• Use a car cover—If covered parking isn’t available, use a heavy-duty car cover to protect your vehicle.
• Secure loose items—Remove or secure any loose items around your property that could become projectiles in strong winds.

Auto Insurance in Corpus Christi & San Antonio, TX

By understanding your auto insurance policy and the protection it can offer, you can be better prepared for unpredictable spring storms. Contact A&N Insurance Agency LLC today to review your coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.