Does Auto Insurance Cover Earthquake Damage?

​Earthquakes can cause serious damage to vehicles. Falling debris, collapsing buildings, and cracking roads can all cause significant harm to your car. This is where car insurance comes in; it covers earthquake damages as long as the vehicle has comprehensive coverage. 

Comprehensive Coverage
Comprehensive coverage helps cover your vehicle’s damages expenses that are not caused by collisions, which are listed below. It is an optional insurance policy that you can purchase to help protect your vehicle.

• Theft
• Vandalism
• Fire
• Weather-related occurrences or natural disasters
• Damage caused by animals

How Much Does Comprehensive Coverage Cost?
The costs of comprehensive coverage depend on factors like the value of the insured car and when you bought it. The insurance company may pay for all the damages after a claim. However, charges may increase if it costs the company more to replace a vehicle.

Do You Need Comprehensive Insurance?
If weather-related incidents, natural disasters, or theft often occur in your place, purchasing comprehensive insurance would be a great idea. This insurance may help you minimize your expenses and pay for such an unforeseen event.

Is Your Vehicle Covered by Rented or Homeowners Insurance? 
A rented or homeowners insurance policy does not cover earthquake damage to the car. These two policies typically excluded earthquakes due to the catastrophic nature of claim damages. If you want the best option for your car, it should be affordable car insurance that includes comprehensive coverage.

Conclusion
If you need to file a claim, comprehensive insurance works just like any other type of auto insurance. If your car is new and has value, you may consider purchasing comprehensive coverage and car insurance. It can save you money from repairs and purchasing a replacement vehicle. 

At Priority Insurance LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (864) 297-9744 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.