Does Comprehensive Auto Coverage Pay for Fallen Trees or Lightning Damage?

Storm damage to a vehicle can happen quickly, whether from a fallen tree branch or a lightning strike affecting the electrical system. Before you call your insurer, it helps to know what your auto insurance policy actually covers in these situations.

What Is Comprehensive Coverage?

Comprehensive coverage is the portion of your auto policy that handles damage caused by events outside your control. It is separate from collision coverage, which applies when your vehicle strikes another object or vehicle.

What Comprehensive Typically Covers

Comprehensive coverage may help cover your vehicle against:

• Fallen trees, branches or other debris
• Lightning strikes and resulting electrical damage
• Hail and wind
• Flooding
• Fire and explosions
• Theft and vandalism

If a tree falls on your car during a storm or lightning fries your electronics, comprehensive coverage is the section of your policy you will typically file a claim under.

What You Should Keep in Mind

Comprehensive coverage is usually optional unless required by your lender or lease agreement. If you carry only liability coverage, storm and lightning damage to your own vehicle would not be covered.

Your deductible applies before your insurer pays out, and your policy limits determine the maximum your insurer will pay. Depending on your vehicle’s age and value, reviewing whether your current coverage levels make sense may be worthwhile.

Why Our Team Makes a Difference

Our team can review comprehensive options and help you find coverage that fits your vehicle and situation. Contact Karla's Insurance Agency, Inc to review your auto insurance and confirm your vehicle is protected before the next storm season arrives. We proudly serve drivers in North Chesterfield, VA and surrounding communities.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.