Storm damage to the car: Which insurance pays and what to do - tips from the financial expert

Storm damage to the car: Which insurance pays and what to do - tips from the financial expert

How www.rnd.de Reportedly, cars can be damaged by falling trees and falling branches during strong storms. Especially if they are on the side of the road and not in a garage. The article explains the insurance conditions for storm damage to the car, in particular the differences between partially comprehensive and fully comprehensive insurance.

In Germany, storm damage to the car can be covered by partial comprehensive insurance. This damage includes everything caused by flying branches or roof tiles during storms. In addition, the replacement value of the vehicle or even the new price (depending on the contract) is covered by the insurance. In the event of fully comprehensive damage, customers will be rated worse in the next calendar year unless they have agreed to discount protection. It may therefore be cheaper to cover the costs of the damage yourself.

The effects of these regulations on the market and consumers are diverse. Insurance companies may increasingly move towards offering partial and comprehensive insurance to meet the needs of car owners. In addition, consumers could be given the choice of whether to bear the costs of damage themselves or accept higher insurance premiums.

Overall, the insurance guidelines show how important it is to weigh up your individual needs and financial possibilities before taking out comprehensive insurance. Both car owners and insurance companies face the challenge of finding the right balance between damage coverage and premium payments.