Will your insurance cover you if your car is damage by mother nature?

Last updated on July 28th, 2021 at 05:07 pm by Bill Tsouvalas

With the recent hail storms striking car owners in Sydney with a $125 million in damages you may be wondering if there are car insurance policies that cover you for such damages. Thankfully, there are insurers that offer car insurance policies that will cover you for damages caused by mother nature. Here are five things to consider when looking for adequate cover.

Does the insurance policy cover you for natural disasters?

There is a wide range of insurance policies that are offered by insurers to ensure that you are adequately covered. However, not all insurance policies are created equal. When it comes to finding a policy that covers you for damages caused by storms or hail it is important to check the policy features that are disclosed in the product disclosure statement. Typically, you will be covered if you have comprehensive car insurance policy.

Know how to place your claim

Driving around with a dimpled car may not be an appealing look for any car owner. The last thing you want is having your insurance claim delayed because of not knowing how to place a claim. The claim process differs from insurer to insurer. Therefore, check with your insurer to know what is the proper procedure to ensure that your claim is processed as soon as possible. Having your documents in order can help quicken the process. Remember to check that you have filled in all the necessary areas on the form and that the information you have given is true.

Try not to drive your car until the claim has been processed

Having your claim processed smoothly also means not tampering with the damage your car has sustained to avoid having your claim rejected. Avoid driving your car until the claim has been processed. This also means not doing any repairs on your car before you have contacted your insurer first. Carrying out repairs that have not been approved by your insurer can result in those repairs not being covered. Remember to document any possible damaged to submit as proof to your insurer.

Have protective measures for your car

Mother nature can spring surprises on us now and again, but there are measures that you can have in place to protect your vehicle. Keeping yourself updated with the forecast can help you prepare. Other considerations can be:

  • Placing your car under cover and avoid parking under trees.
  • Drive at a reasonable pace. Speeding is not a good idea as this can cause an accident.
  • Remove any dead branches from trees that are near your house that can cause damage. Remember to get a permit to do this.

Always keep in mind to check your policy to see if you are covered for this, even if you have comprehensive car insurance.