Storm Season in Albany, GA: Reviewing Your Auto Insurance Coverage for Hail and Wind Damage

When storm season rolls in, it can bring heavy rain, hail and high winds—all of which can leave your vehicle vulnerable to serious damage. While you can’t control the weather, you can take steps to help make sure you’re financially protected. Now is the perfect time to review your auto insurance policy to find out if it covers hail and wind damage before the next storm hits.

What Auto Insurance Covers Hail and Wind Damage?

In Georgia, your standard liability auto insurance policy will not cover damage to your car caused by hail or wind. Liability insurance only covers damage you cause to others. To protect your vehicle, you need comprehensive coverage.

Comprehensive coverage may help pay for damage to your car caused by events beyond your control, such as the following:

• Hailstorms
• Falling tree limbs
• Wind-blown debris
• Flooding (depending on the specifics of your policy)

If you lease or finance your vehicle, your lender likely requires you to carry comprehensive coverage. However, even if it’s not required, adding this protection can save you thousands of dollars if a storm damages your car.

Protect Your Car Before the Next Storm

Don’t wait until after a storm to discover gaps in your auto insurance coverage. If you’re unsure whether your current auto insurance protects you against hail and wind damage, The Family Insurance Agency Inc. is here to help. Contact us today for a policy review and personalized recommendations to keep you protected this storm season.

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.