Do car insurance policies cover hurricane damage?

I live in Florida. I recently bought a car and I am looking into car insurance. Does car insurance cover hurricane damage?

Answer
“Your car insurance company will cover hurricane damage to your car as long as you have comprehensive insurance. Florida tends to have bad luck when it comes to hurricanes, so it’s great that you want to be prepared!
Comprehensive insurance is also known as other than collision coverage since it covers perils that aren’t collision-related. These include:
  • Vandalism
  • Theft
  • Water damage
  • Flood
  • Hail
  • Windstorm
  • Fire
If you have comprehensive insurance and your vehicle suffers damage related to a hurricane, you would be able to submit a claim to your insurance. However, comprehensive insurance has a deductible attached to it, which is the amount you’ll be required to pay before your insurance kicks in.
Should the repairs cost less than your deductible, you wouldn’t be able to submit a claim as you’d be responsible for the repairs.
If you want to save money on comprehensive coverage, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies.”
avatar
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.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
rating
4.7/5 Rating on App Store