Comprehensive Insurance Coverage and Storm Damage to Vehicles – Jacksonville Car Accident Lawyer
In the wake of hurricane Hermine as the first hurricane to make landfall in the state of Florida in a little over a decade, I wanted to remind everyone of the importance of carrying Comprehensive Insurance Coverage. Almost everyday I speak to someone who tells me that they have “full coverage” for their automobile, but when I press them on exactly what coverage that is, they often times do not know.
In the state of Florida the minimum coverage that one is required to carry is $10,000.00 in Personal Injury Protection (No-Fault coverage) and $10,000.00 in Property Damage Liability coverage. Although you are not required to carry comprehensive coverage, you should.
Comprehensive coverage will cover damage to your vehicle caused by an event that is not a collision. Comprehensive coverage will cover damage from theft, vandalism, fire, glass damage, as well as damage to your vehicle from a storm. Damage from a storm can include hail damage, flooding, damage from a fallen tree, etc.
Luckily, Hurricane Hermine did not cause massive widespread damage, but if you do not have comprehensive coverage now, take it as a warning sign that you should. Storm damage can often be catastrophic to a vehicle, and without Comprehensive coverage you can be left holding a hefty bill. Furthermore, please note that many insurance companies will not write Comprehensive Insurance Coverage into a policy once it is predicted that a storm will make landfall. In other words, you cannot simply wait until you know a hurricane is coming to try and add Comprehensive Insurance Coverage to your policy.
Comprehensive Insurance Coverage is typically not terribly expensive, and you can typically reduce the price you pay for coverage if you are willing to share some risk by taking on a deductible. Your vehicle may not have been damaged by this hurricane, but if you do not have Comprehensive Insurance Coverage, is it worth the risk?