Comprehensive Coverage is Essential
Comprehensive insurance covers natural disasters like floods, hurricanes, and earthquakes. Make sure your policy includes it for full protection
You'll need to pay a deductible before your insurance covers disaster-related repairs. Choose a deductible that balances affordability with manageable costs
Some policies have specific exclusions or higher premiums for certain natural disasters. Read the fine print and discuss with your insurer to understand these details
Rental Reimbursement and Perks
Comprehensive coverage often includes benefits like rental car reimbursement if your car is being repaired due to disaster damage. Check if your policy offers this
Prepare and Document
Document your car’s condition before and after a disaster to speed up the claims process. Take photos and keep detailed records to ensure a smooth claim experience