Business Auto

MinivanDamage to cars caused by bad weather is fairly common across the country. With the arrival of spring and the onset of spring and summer storms, car owners should be prepared for possible damage by having the right kind and amount of insurance coverage. Weather damage can be caused by any type of storm or weather event, whether it's a tree falling on your car or a flood sweeping it away. These events occur with very little notice, so if you can't physically protect your car, you can at least be sure that it is protected with the proper insurance coverage.

Take Preventive Measures

Although there is little that you can do during a natural disaster, you can take some preventive measures. For example, when there is a storm watch on, insurance companies in that area may place restrictions on their policies such as suspending new applications or refusing requests to extend coverage.  If you live in an area that is prone to certain types of damaging weather, be sure you have sufficient coverage well in advance of storm season.

Review Your Insurance Policy

An insurance policy that provides the bare minimum amount of coverage is unlikely to include storm-damage coverage. Typically, you will need to have an insurance policy that provides comprehensive coverage for things like floods and wind damage, as well as collision coverage to protect against falling trees and debris. Take some time to review your current insurance policy and learn what type of coverage you have.

Report Issues Immediately

If your car is damaged in a weather event, it is vital that you document and report the incident immediately. The first thing you should do is to contact your Atlanta car insurance company to let them know what has happened. In addition, document the incident by taking photos of the damage and getting quotes on the cost to repair the car from repair shops.

Having this knowledge on hand prior to the occurrence of a weather event will assist you if your car is damaged during a storm. If you wait until something happens and you have insufficient coverage, there may be very little that you can do. Understand exactly what your current car insurance policy offers, and then discuss your concerns with an insurance agent. Call Peachstate Insurance anytime at 903-663-0598 and we will gladly help you select the best insurance coverage for your car.

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