Does Car Insurance Cover Damage from Spring Storms and Hail?

Spring often brings unpredictable weather that can cause significant damage to vehicles. At McQuiston Insurance Agency, it’s important to understand how your auto insurance may respond to these seasonal risks.

Understanding Coverage for Storm and Hail Damage

Not all auto insurance policies automatically cover weather-related damage. If you only carry liability insurance, damage from storms and hail is not covered.

Comprehensive coverage can help pay for repairs if your vehicle is damaged by natural disasters such as hail, falling branches, wind or flooding. It can cover:

• Hail dents and broken windows
• Damage from falling trees or debris
• Flood damage
• Fire caused by lightning strikes

Keep in mind that comprehensive coverage usually comes with a deductible, which is the amount you pay out of pocket before your policy covers the rest.

Driving Tips in the Spring

The following tips can help you prepare for storm season:

• Check if your policy includes comprehensive coverage.
• Review your deductible and consider if it fits your financial situation.
• Take photos of your vehicle before storm season for documentation.
• Park in a garage or covered area when possible to minimize risk.

Why Review Your Policy?

Spring weather can be unpredictable, and severe storms can happen with little warning. Reviewing your auto insurance policy ensures you have the right coverage in place before a storm hits. Our team at McQuiston Insurance Agency can help you understand your current coverage, explain your options and make recommendations based on your needs and budget.

If you have more questions about auto insurance or want to make sure you’re adequately covered, our team is here to help. Contact us today to review your coverage.