Who Pays When Your Car Is Damaged In A Florida Storm?

Comprehensive Auto Insurance Covers Storm Damage

If a Florida storm damages your car, your primary protection comes from comprehensive coverage—an optional part of your auto policy that covers non-collision events such as:

• Hurricane or tropical storm damage
• Hailstorms or falling branches
• Flooding
• Lightning strikes
• Flying debris or wind damage
• Vandalism or fire (also often storm-related)

Without comprehensive coverage, you may have to pay for storm damage out of pocket—even if the storm was completely out of your control.

What If You Only Have Liability Coverage?

If your auto policy includes only liability coverage—which is the minimum required in Florida—it will not cover storm-related damage to your own car. Liability coverage only applies when:

• You damage someone else’s vehicle
• You’re responsible for injuries to another person in an accident

To protect against storm-related losses, you must add comprehensive coverage to your policy.