Hundreds of cars get damaged due to storms and the hazardous weather conditions that prevail suddenly. Storm damage cleanup in oklahoma city ok is necessary during the season. Fortunately, most car insurance coverage covers damage due to storms and natural calamities. However, you must note that each insurance policy is unique. It is up to the policy buyer to choose the coverages and the deductibles. If someone cautiously ignores coverage for damages due to a storm (for a lesser premium among other reasons), the car insurance policy will not pay for damages due to the storm.
Auto/Car Insurance and Storm Damages
If you choose the appropriate coverages, the car insurance company will pay for the repair or replacement of your car in case it undergoes damage due to a storm, hurricane, flood, and other weather conditions and natural calamities. However, all insurance coverages have certain inclusions, and the company will not pay for damage due to anything listed in the excluded list. To have a better understanding of the subject, you should have a look at the list below that reveals the kind of coverage all car insurance policies carry in general.
Liability coverage: liability coverage ensures that any damage caused to people (injuries) or their property is compensated. However, this coverage does not pay for damage due to storms.
Uninsured/Underinsured Motorist coverage: if an accident is caused due to another driver who is not insured (or inadequately insured, the uninsured/underinsured coverage will ensure that you are compensated for all the damages. The coverage will not cover storm-related damages.
Coverage for Collison: the collision coverage will ensure that you will be paid and compensated for any damage to your vehicle in case it undergoes an accident. However, the policyholder will have to pay a deductible. The insurance company pays the rest of the amount. If you are driving in severe weather conditions, the collision coverage can compensate you for the damage. However, it does not cover all kinds of damage that may occur to your car due to storms.
Comprehensive coverage: comprehensive coverage has the most inclusions. If your policy offers comprehensive coverage, it will pay for all kinds of damage caused due to storms and other hazardous weather conditions.
Claiming Storm Damage
First, you should remember that your safety and health are of utmost importance. Ensure that you practice safety and caution in whatever you do in the aftermath of an accident. For instance, you should not try to gather belongings from a car that has rolled over or has a tree fallen over it. In such circumstances, you should wait for professional help.
To claim storm damage, you need to note down all the related details. The details that your insurer may require from you include the date and time of the accident/incident, the reason for the accident, and others. You should also take photos of the damage to your vehicle (from different angles). The task is now easy as most of us carry a smartphone (with a camera) in our pockets all the time.
Once you have all the relevant details, you can call the customer service representatives of your insurer and provide them with the relevant details. You can also file the weather/storm damage claim on the website of your insurer or through its mobile app in most cases.
Conclusion
It is always important to drive your vehicle safely and ensure that it is regularly maintained and serviced. However, in case of a storm or weather-related incident, your damages will be compensated by the insurance if you have chosen a comprehensive coverage policy. Reach out to your insurer as soon as you can if your car undergoes any such damage to ensure that you get your compensation speedily and with the utmost convenience. Leading arborists in Oklahoma City not only remove the fallen trees but also assist you in receiving your auto insurance claims with proper documents and professional assistance.