Natural disasters are a part of life. Things like tornados, earthquakes, floods, wildfires, hailstorms, hurricanes and more happen. And there are rarely actions we can take on an individual level to prevent them from happening.

Even when you try to protect your car, it may not be enough. These disasters often bring destruction to property, including your vehicle, no matter what.

If that happens, you may be wondering does car insurance cover natural disasters?

Below we’ll answer that question so, if a natural disaster strikes, you’ll know whether to expect your car insurance company to cover the costs of repairs or and/or replacement.  

Does Car Insurance Cover Natural Disasters?

There is no clear-cut answer to this question. Sometimes car insurance covers damage from natural disasters. Sometimes it doesn’t.

Whether or not your car insurance policy will provide coverage for this damage and repair depends on a few key factors.

Type of Car Insurance

First, it is important to understand the different types of car insurance coverages. This will help you determine if your car insurance will cover car damages caused by a natural disaster. 

The common types of car insurance coverage includes: 

  • Liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Personal injury protection (PIP) coverage
  • Underinsured motorists and uninsured

There is also car insurance known as full coverage. Full car insurance coverage is a bundle of different coverages, however, not necessarily all of the above. 

Most of the time, full car insurance coverage includes liability coverage, comprehensive coverage, and collision coverage. But what is bundled in a full car insurance coverage can vary.

If you have comprehensive coverage, then damages done to your car after a natural disaster are covered by your car insurance. Comprehensive car insurance coverage provides coverage for damages to your vehicle due to an unexpected event.

Aside from comprehensive coverage, collision coverage may also provide coverage for damage to your car caused by natural disasters. Collision coverage provides coverage for many types of damage resulting from many kinds of incidents that happen while you are driving. For example, you bumped into a fence while you were driving.  

And a natural disaster is unexpected. And even if it can be expected, predicted, and forecasted, the damages it can bring to your property are not. 

Types of Damage Covered by Car Insurance

Now, how will you know if your natural disaster-related car damage will be covered by comprehensive coverage or collision coverage? 

In cases when a natural disaster has caused your car to crash into another object, worry not, you will be covered by your collision coverage. 

However, if your car is parked and a hurricane or a flood caused water damage to your car, then coverage will fall under comprehension coverage. 

Comprehensive car insurance coverages provide coverage for natural disasters such as:

  • Flood
  • Wildfire
  • Hurricane
  • Earthquake
  • Hail

In some cases, where a natural disaster can be predicted or forecasted, car insurance companies will enact a new or existing policy regarding the disaster. 

In conclusion, car insurance covers natural disasters if you have either comprehensive coverage, full coverage, or even collision coverage.

If you have been affected by a disaster and need help, we highly recommend heading to the FEMA Disaster Assistance website.

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