Does My Car Insurance Cover Tornado Damage?

Being located near the center of the United States, there are many tornadoes that can and have occurred in Texas. Because of its location, Texas receives a mixture of warm air from one direction, and cold air from the other direction; this mixture of air of different temperatures is the perfect setting for a tornado to occur. Although tornadoes typically occur in areas with valleys and a large region of open land, the possibility of one actually entering a city was confirmed several years ago when a tornado entered and devastated many buildings in Downtown Fort Worth. The damages resulting from this tornado from the early 2000s resulted in millions of dollars’ worth of damage to buildings, offices, and vehicles.

Even though many people carry several coverage options in their car insurance plans, they may be unaware of whether or not their policy covers for tornados. The specific coverage that covers tornados, as this article will show, is Comprehensive Insurance Coverage.

How Does Comprehensive Insurance Cover Tornado Damage?

When many drivers purchase car insurance, they may have been offered many different types of insurance coverage options to be added to their general policy, such as uninsured/underinsured motorist coverage (UI/UIM) or comprehensive insurance coverage. While these are just optional insurance coverages that are not legally required to be carried, they may have very big benefits should they need to be activated.
Comprehensive coverage is an optional insurance coverage that covers for damages made to a vehicle that were not caused by a car accident or collision. Comprehensive coverage can cover the following:

  • Tornadoes and other natural disasters (such as hurricanes, hail, snow damage, etc.)
  • Riots and other civil disturbances
  • Fires
  • Damaged by an animal
  • Vandalism
  • Theft
  • Fallen objects

As the list shows, comprehensive insurance can be a big help should a tornado cause damage to a vehicle. Although it may seem like it is improbable for a natural disaster or falling object to actually cause damage to a vehicle, it may be an insurance option for those who want to prepare for the unexpected and want to have a certain type of protection should their vehicles get damaged.

What to Do if a Tornado Has Caused Vehicle Damage

If a tornado or natural disaster has caused damage to your vehicle and you have comprehensive coverage, there are several steps you can take that can help the claims process moving and you can be on your way to enjoying your vehicle without damage again. To begin, the first step to take would be to take pictures, photographs, and even videos if necessary of the damage made on your vehicle. These pictures will be sent to your insurance adjuster assigned to your claim, so it is important for you to take clear and understandable pictures of any dent, chipped pain, or broken vehicle part (such as a window or windshield) that may have been damaged in a tornado.

The damage of the vehicle must be clearly portrayed to the insurance adjuster, so a good suggestion would be to take a picture of your hand close to the vehicle damage. For example, taking a picture of a severely dented roof with your hand next to it can demonstrate to the insurance adjuster that the damage made to the vehicle was significant and that repairs are needed. The same can be used when demonstrating the insurance company any scratches that they vehicle may have received from debris from the tornado. However, it is important to stay safe around broken glass or sharp edges, so only do this if it is completely safe to do so.

Injured by Another Vehicle in a Tornado?

Being in a tornado or strong thunderstorm can be dangerous for drivers who are on the road for several reasons. First, there may be problems with visibility due to the storm’s strong rain and winds. Second, there may be trees, branches, and other objects in the air and on the road that may have been picked up by a tornado. Due to the fact that there is limited visibility and there are dangers on the road because of a storm, a driver may hit another driver and an injury may have been made as a result of this car accident.

Having an injury as a result of another driver colliding into your vehicle may lead to a time consuming and frustrating situation. At the Anderson Law Firm, we understand that this must be a difficult time for you, which is why we would take care of the entire legal process surrounding your injury claim, and we would make sure you get the right care that you need. Contact us today at 817-717-4731 to schedule a free, no-obligation consultation where an experienced and professional attorney will be more than happy to discuss with you your situation. Also, because the accident was caused by someone else, we would take care of your vehicle’s property damage, so all you would have to focus on is recovering from your car accident. Remember, you do not have to be stuck paying for medical bills that were generated because of an auto accident that someone else caused. You have rights, and you may be entitled to receive compensation from your medical bills, property damage, lost wages as a result of your injuries and more. For more information or if you have any questions, please do not hesitate in giving us a call. We have offices located in Dallas, Fort Worth, Arlington, and Keller to fit your needs, so contact us today!

Mark A. Anderson
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Board Certified Personal Injury Lawyer in Fort Worth, Texas