Summer Storms and Hail in Texas: Does Your Auto Insurance Cover Them?

Although often known for its warmth, Texas’s summers can often present extreme weather conditions, including severe thunderstorms that may even bring hail. In addition to dropping chunks of ice, these storms may also bring powerful winds, heavy rains and lightning, potentially inflicting significant damage on your property, including cars, trucks and other motor vehicles. Having an auto insurance policy capable of addressing subsequent losses can be critical.

How Can Auto Insurance Cover Severe Weather?

Comprehensive coverage is the key component of auto insurance that may help fund repair or replacement costs should your vehicle be damaged by the elements. In addition to covering losses arising from fires, theft and vandalism, this aspect of your policy can compensate you following many severe weather events. In the wake of a severe summer storm, you can submit a claim if your car is damaged by the following:

• Hail
• Floods
• Wind
• Lightning strikes

What Else Do I Need to Know About Coverage Options?

While comprehensive coverage can make up the primary line of financial defense against extreme weather, other parts of auto insurance may address specific situations. Consider the following:

• Collision coverage—If you’re caught in a severe storm while traveling, you may be more likely to be involved in a crash. In such situations, this aspect of auto insurance could help pay to repair your vehicle.
• Liability coverage—Consider the aforementioned situation, but when needing to address other parties’ losses, such as if you’re at fault for their injuries or property damage. In such cases, comprehensive and collision coverage would not apply, necessitating liability insurance.

How Can Weather Patterns Impact Cost?

Where you live and your subsequent weather-related risk levels can significantly impact your premiums. For example, hurricanes might be a prevalent threat if you’re near the Gulf Coast. Similarly, insurers may also perceive motorists in northern Texas to be riskier as it pertains to weather due to the region’s frequency of tornadoes.

We’re Here to Help

Contact Giles Insurance Agency today to learn more about auto coverage for severe weather and find the right policy for your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.