St. Louis, Missouri (PRWEB) June 06, 2013
As reports pour in about a Texas hailstorm damaging tens of thousands of cars and Missouri residents flee a flooded Mississippi River, OnlineAutoInsurance.com (OAI) recommends drivers unaffected by the events this time around revisit their auto insurance policies in order to make sure they're financially protected for the next nasty weather event.
When it comes to weather-related damage to a car, a policyholder should be familiar with:
--Comprehensive Coverage: Bad weather can bring all sorts of misfortune to cars: hailstones through windshields, tree trunks through windows, or maybe a whole car submerged by floodwater. Comprehensive coverage protects against such weather-related incidents (along with a wide range of other incidents like theft), which is why about three-quarters of drivers buy this additional type of protection.
--Collision Coverage: Bad weather can also make it easier to collide into an object while driving. In those cases, this coverage will help soften the blow to the wallet. If slick, rained-on roads send a car careening into a stop sign, a policyholder with collision coverage can count on his or her insurer to pay for needed car repairs, minus the deductible.
The city of Amarillo, Texas, was smacked with hailstones the size of baseballs during a May 28 storm, according to the Insurance Council of Texas (ICT), which reported Monday that about 35,000 vehicles sustained damage. ICT also reported that local body shops “are being slammed” with repair orders; Drury Body Shop told ICT that there was already a two-month wait for vehicle repairs.
And with the National Weather Service forecasting more possibly severe conditions, including thunder and hailstorms, through the week for areas from northwest Texas to parts of Kansas and Arkansas, those who aren’t yet in need of vehicle repairs should plan ahead and know how protected their vehicle is, how much it would cost for additional protections, and what to do if bad weather comes for their car.
“Harsh weather leaves all types of property vulnerable,” says OAI manager Cesar Diaz. “Drivers should know about protecting a car with a proper policy as bad weather brews across the U.S.”
Visit http://www.onlineautoinsurance.com to compare quotes for additional coverage with our easy-to-use generator or educate yourself on auto insurance with our informative resource pages.