Storm damage to the car: Which insurance applies and what you should do in the event of damage

Storm damage to the car: Which insurance applies and what you should do in the event of damage

According to a report by www.rnd.de,

During hurricane Zoltan, cars can be damaged by falling trees and falling branches. The question arises as to which insurance company will cover storm damage to the car under which conditions. Here are some important points that car owners should keep in mind in this regard:

Do you need fully comprehensive insurance or is partial insurance sufficient?

To put it simply, all partial comprehensive insurance covers damage to the parked car. However, when it comes to accident damage from ongoing traffic, fully comprehensive insurance is required. However, there are many details that vary depending on the claim.

Partial comprehensive insurance pays here

Damage caused by storms, such as flying branches or roof tiles, is covered by partial comprehensive insurance. Customers will not be downgraded to the no-claims class, but will have to pay the agreed deductible. If the vehicle is completely destroyed, the insurance will pay the replacement value or the new price, depending on the contract.

When comprehensive insurance is necessary

Comprehensive insurance occurs if a driver hits a falling tree or if a rotten tree falls on the car. Customers will be ranked lower in the next calendar year unless they have agreed to discount protection. When it comes to comprehensive insurance, car owners should therefore consider whether it is cheaper to cover the costs of the damage themselves or to pay the higher premiums.

If you act negligently, you have to pay yourself

If negligent actions can be proven, insurance coverage could expire. Home and landowner liability insurance occurs if an owner has not fulfilled his traffic safety obligation and damage is caused as a result.

What you should do in the event of damage

Car owners must report damage to their insurance company as quickly as possible after a storm and document the damage before sending the car in for repairs.

It is important that car owners are well informed and choose the right insurance to protect them in the event of storm damage. Mitigation measures should also be taken into account.