Will Your Auto Insurance Weather The Storm?

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Severe storms can cause major damage to your home property. They can also do the same for your car. With the storm getting worse, what can you do? Take a look at your insurance policy. "Too often, people do not notice they lack some types of coverage until they try to make a claim," said Ron Berry, senior vice president of the Council of Better Business Bureaus.

Will Your Auto Insurance Weather The Storm?
In fact, the number of reported claims for vehicle losses due to severe storms nearly doubled in the first five years of this century, according to ISO property claims Services (PCS) unit, a recognized authority on insured property losses from disasters in the United States.

Fortunately, insurance information Institute (III), a nonprofit organization, said that comprehensive coverage will reimburse you for loss due to fire, falling objects, storm, and vandalism, animal and flooding.

Comprehensive insurance usually has a deductible of $ 100 to $ 300, although you may want a higher to lower premiums. Comprehensive insurance will reimburse you if your windshield is cracked or shattered.

"However, even if you have comprehensive coverage, it is not always guaranteed to meet your individual needs," said Carolyn Gorman, vice president of the III "For example, you may be surprised to find that after a storm your auto insurance does not automatically cover the cost of replacement rental car while your car is in the shop or you wait for authorization for a new car."

He added that the individual can pay as much as $ 1,000 to rent a replacement car. "Rental reimbursement coverage, which is only a few dollars per month, includes the cost of Car while your car is being repaired or you are waiting for authorization for a new car. Rent a car for a day can cost more than a full year of coverage for a replacement rental," said Gorman.

If your car is ever damaged in a storm:

• Know what your insurance covers. Do not wait to discover it does not include comprehensive or will not cover emergency roadside assistance or a rental car.

• Report damage as soon as possible. If your car is not drivable, Center agents or claims you might be able to save time and money by having it pulled directly to the repair facility and provide you with a replacement rental car.

• Know your deductible and any other additional charges before authorizing the work. Expect your insurance adjuster, claims representative or repair facility appraiser to review the damage with you and explain the process, including the use of original or generic auto parts.