Can car insurance cover hurricane damage in Louisiana?

I live in Louisiana and am worried about hurricane damage. Would my car insurance policy cover me?

Answer
“Hurricanes are a scary natural disaster, but you can take solace in knowing that you may be covered by your insurance!
Your car insurance policy will cover hurricane damage to your vehicle if you have comprehensive insurance.
Comprehensive insurance protects your vehicle from damage caused by perils unrelated to collisions. You often will see comprehensive listed as OTC or other than collision. *Hurricane damage is covered** under an OTC or comprehensive coverage policy.
If you are concerned about damage to your vehicle by a hurricane, add comprehensive coverage to your policy. If you already have comprehensive coverage, you should also look at your deductibles to ensure it’s affordable.
While most people opt for deductibles between $500 and $1,000, deductibles can range from $0 to $2,500. Having a deductible that you can afford will ensure that if you need to submit a claim to your insurance for hurricane damage, you’ll be able to afford your portion.
Want to add comprehensive to your car insurance policy? Let Jerry help. Download the app and sign up in less than a minute to compare rates from dozens of car insurance providers.”
Emily Maracle
Answered on Oct 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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