Oklahomans are no strangers to unpredictable weather. From tornadoes and hailstorms to flash floods and wildfires, natural disasters can cause significant damage in mere minutes. But if your car bears the brunt of a storm, will your auto insurance cover the costs? The answer depends on the type of coverage you have, explains D & E Insurance Agency, serving Muskogee, OK.
Comprehensive Coverage: Your Best Protection
To protect your vehicle from storm damage, comprehensive coverage is essential. Unlike liability or collision insurance, comprehensive coverage applies explicitly to non-collision events, such as fire, hail, flooding, falling trees, or even tornado-related debris.
If you only carry the minimum state-required liability coverage, your car is not protected from acts of nature. In this case, you would be responsible for the repair or replacement costs out of pocket.
What’s Typically Included?
Comprehensive policies generally cover:
- Hail and wind damage
- Flooding or water damage
- Fire or smoke damage
- Falling objects, such as tree limbs or debris
- Earthquakes or tornado-related losses
Each policy has its own limits and deductibles, so it’s important to understand what your coverage includes before a storm strikes, not after your car roof is caved in.
Is Comprehensive Coverage Worth It?
In a state like Oklahoma—where extreme weather is a common occurrence—comprehensive coverage is more than just a luxury; it’s a smart financial safeguard. Even if your car isn’t brand new, the cost of repairing major weather-related damage can quickly add up.
If you’re unsure whether your current policy protects you from natural disasters, reach out to your insurance agent at D & E Insurance Agency, serving Muskogee, OK. We’re happy to review your policy details and provide additional coverage options if needed. The right coverage today can help you avoid a serious financial setback tomorrow.
