Who Pays When Your Car Is Damaged In A Florida Storm?
Will My Auto Insurance Cover Storm Damage to My Car in Florida?
Yes, but only if you have comprehensive coverage. Unlike liability coverage, which is required in Florida, comprehensive coverage is optional. This policy covers damage to your car from events beyond your control, like storms, hail, and flooding.
What Types of Storm Damage Does Comprehensive Insurance Cover?
Comprehensive insurance covers various storm-related damages, including:
- Flood damage from heavy rains
- Hail damage
- Damage from falling trees or debris
- Damage caused by lightning or high winds
If I Only Have Liability Insurance, Will My Policy Pay for Storm Damage?
No, liability insurance will not cover storm damage. Liability insurance only covers damages to other people and property if you’re at fault in an accident. To be protected from storm damage, you need comprehensive coverage.
Does Homeowners Insurance Cover Storm Damage to My Car?
No, homeowners insurance does not cover vehicles. Even if your car is parked in your driveway or garage, you’ll need comprehensive auto insurance to cover storm-related damage.
What If My Car Is Totaled in the Storm?
If your car is considered a total loss (repair costs exceed the car’s value), your insurance company will typically pay you the actual cash value (ACV) of the car minus your deductible. The ACV is the car’s market value before the storm damage occurred, accounting for factors like age, mileage, and condition.
How Does My Deductible Affect My Storm Damage Claim?
With comprehensive coverage, you’ll have a deductible—the amount you pay before your insurance kicks in. For example, if the repair cost is $2,000 and your deductible is $500, your insurer will pay $1,500. You should confirm your deductible with your insurer, as it directly affects how much you’ll pay out of pocket.