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What type of car insurance is needed to protect against weather damage?
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What type of car insurance is needed to protect against weather damage?

I have full coverage through American Family Insurance. Will this cover weather damage, such as a crack windsheaild due to hail, or will i have to purchase something extra? What insurance company would you recommend that doesa good job at covering weather damage? And how does one prove the damage was weather related?


    




Catherine B
Rating
Most of the time with major insurance companys full coverage you will have weather damage covered. Most of the time if you show them the damage they will cover it. what you need to watch out for is teh deductible. If a windshield gets cracked and costs $500 and your deductible is $400 its not realy worth the claim becasue then you insurance will most likly go up. In terms of hail damage i have seeen people actually save a piece of hail in there freezer to show the insurance agent. The best thing that you can do is to ask your insurance agent what all is covered and make sure it covers all that you want. I have allstate insurance and i have had very good luck with the, but american family is another very good company.

A comparison to whats already out there is good too..

http://www.surveyland.org/jump.php?link=insurance

Best of luck to you.


dieterzakas
Weather damage would fall under "comprehensive."

HOWEVER, bear in mind insurance policies may make exceptions; weather-related events would fall under the "acts of God" clause, which means you'd be stuck. The answer to your question would be found by contacting your carrier or agent.


PC_Tech84
Rating
The best way to know is to call your agent or carrier, they would know what theeir policy covers.Also keep in mind that sometimes it's cheaper to just pay for it yourself, because sometimes they raise your rates the next term and you wind up paying in the long run.





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