Does my car insurance cover earthquake damage?
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UPDATED: Oct 19, 2021
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- Car insurance is designed to help you get back to a pre-loss condition after a loss occurs; this can extend to earthquake damage
- If you have the proper coverage in place before the earthquake occurs, you may be able to make a claim for these damages
- However, it’s important to purchase coverage before an earthquake is imminent, as some providers restrict coverage purchases once it’s imminent
- Comprehensive coverage is the option you’ll often need to have in place before the loss occurs, and it may carry a deductible that applies to these claims
- Make sure to talk to your provider about your coverage and how it applies, especially if you live in an area prone to earthquakes
Earthquakes are an unsettling occurrence in more than one way, and it can be difficult to plan adequately or protect your property when an earthquake is imminent.
Although these losses can occur when you least expect, you can recover from your losses after the fact through car insurance.
If you have faced damage from an earthquake recently and want to better protect your car, compare at least three to four policies today! Enter your ZIP code above to begin!
Car Insurance and Earthquake Damages
Damage caused to your car by an earthquake can take shape in different ways, such as physical damage to your vehicle or unsafe road conditions.
To recover from earthquake-related losses, your policy may need to carry comprehensive and collision coverage.
Comprehensive coverage is sometimes referred to as “other-than-collision” coverage, which protects from most earthquake damage, including damage to the body of your car as well as broken windows or tires.
Collision coverage may apply to specific instances caused by an earthquake, although a majority of earthquake losses fall under comprehensive coverage. Earthquake-related losses that collision coverage may protect from include:
- Colliding with objects in the road
- Unsafe driving conditions and road debris
- Colliding with another driver
- Your car flipping over due to road conditions
While these losses may not be typical during an earthquake, they can potentially occur when an earthquake hits without warning.
It’s important to assess your risks when purchasing car insurance since different individuals often have different needs to address under their policy. Some coverage options are required, such as liability coverage, but choices like comprehensive and collision coverage are optional.
Speak to your provider about your policy to see how coverage applies, and make sure you assess your policy every six months. Reviewing your policy often allows you to compare your coverage to quotes from other providers to see if your coverage and pricing is still competitive.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Insurance Claims for Earthquake Damages
Natural disasters are events that occur over a large area, affect a significant number of people, or happen without warning and cause massive damages. Earthquakes fall under this classification, so it’s important to know how your policy protects you from natural disaster losses.
When it comes to filing a claim, there are a few things to remember, such as:
- Documenting the damage to your car
- Mitigating further loss if damage can still occur
- Contacting your provider to notify them of the loss
- Saving receipts for any reasonable expenses
Your insurance provider may go over some of these steps with you when you file the claim, but any steps you can start may help the process move faster.
Whenever damage occurs to your vehicle, you should always document the damages with photographs, notes, and even videos if needed.
Additionally, you can reduce your loss by taking reasonable and necessary steps, after documenting the loss, to keep further damage from occurring.
Remember that your claim may have a deductible, which is the specific amount of any covered loss that you’re required to cover. The deductible usually applies to claims under collision or comprehensive coverage.
The deductible exists to lessen the occurrence of claims filed for small loss values, typically any loss that falls under your deductible amount.
Earthquakes, along with other natural disasters, occur at unexpected times and without proper time to prepare or secure your property.
Thinking ahead and being proactive by purchasing car insurance for these unexpected risks is crucial, especially if you live in an area prone to these events.
When an earthquake is imminent, insurance providers may not offer the option to purchase coverage for these losses; this helps encourage individuals to keep their coverage active at all times.
It’s important to check with your provider about how your coverage for these loss events will apply; a basic understanding can make the claim process easier.
Looking to safeguard your car in case of an earthquake? Enter your ZIP code below and start comparison shopping for better auto insurance today!