Online Auto Insurance Educates Consumers on Protecting Against Storm Damage

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Motorists will need to have comprehensive coverage if they want their weather-related damages to be covered through an auto insurance policy

Thousands of cars were damaged in the South in recent weeks when the region was battered by monster storms, leaving many car owners wondering whether their repairs will be covered by their car insurance policies and others figuring out how to get covered for future natural catastrophes. To help provide answers, OnlineAutoInsurance.com has published a new FAQ about which types of coverage need to be included in a policy in order to protect against storm damages.

Although motorists in practically every state are legally obligated to purchase policies before getting out on the road, no states require them to buy comprehensive coverage, which is the type of policy necessary to protect against physical damage caused by weather.

The price of comprehensive coverage can vary greatly among insurers and different types of cars, but it is likely to make up a relatively small portion of overall premiums. According to the latest available data from the National Association of Insurance Commissioners, the average premium for comprehensive coverage was $133.52 in 2008.

To find out how much comprehensive coverage will cost for particular vehicle models and locations, consumers can get free insurance quotes online and compare prices among multiple carriers.

For those who have suffered damage from the storms, it is important to contact coverage providers as soon as possible. In places like recently hit Alabama, many insurers have dispatched representatives to set up mobile claims-processing centers, a directory of which can be found at http://www.aldoi.gov/.

To learn more about this and other insurance-related issues, readers can go to http://www.onlineautoinsurance.com/quotes/free.htm where readers will find informative resource pages and a quote-comparison generator that can help consumers find the best rates for a policy.

To access the full FAQ, readers can follow the “Questions” link located at the top of any page on the site.

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Benjamin Zitney
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