California Wildfire Disaster - Latest Updates And Fire Insurance Tips
LOS ANGELES, Nov. 14, 2018 /PRNewswire-iReach/ -- Compare-autoinsurance.org has released a new PR explaining the reimbursement options for Californians with cars destroyed by the most recent wildfires.
The wildfire raging across California may be the most destructive ever. As of Monday, 12 Novembers, the death toll is 42, but the number is expected to rise.
The Butte County sheriff, Kory L. Honea, has said more than 200 people remain missing in and around Paradise town, which sits in the foothills of the Sierra Nevada and was popular with retirees.
The financial losses are also horrific. The so-called Camp Fire in Northern California and the Woolsey Fire in suburban Los Angeles have devastated tens of thousands of structures and could cost the state, insurers and homeowners at least $19 billion in damages. Furthermore, it may take the firefighters another 5 days to extinguish the fires. A smaller wildfire, dubbed "University Fire" was quickly contained and extinguished.
President Trump on Monday evening said on Twitter that he had approved a request to declare the fires in California a major disaster, making people affected eligible for various types of federal government support.
Strong winds and lack of humidity were crucial factors for the speed with which the fire blaze spread so quickly. In their path, thousands of cars were damaged. Insurance for fire was already a problem for car owners and homeowners, but things got worse with these wildfires.
The Camp Fire, which decimated Paradise, has already burned about 117,000 acres and is only about 30 percent contained. An estimated 435 structures have been destroyed in the Woolsey Fire west of Los Angeles, up from the 177 figure provided on Sunday night. Another 57,000 structures are believed to be under threat. Another blaze that has scorched 4,500 acres in Ventura County, the Hill Fire, was 85 percent contained.
So, it becomes natural for car owners to know what will happen to their cars and if they will ever recover their investments. Only comprehensive car insurance provides coverage if the car is damaged or totaled by natural events, such as wildfire.
If you live in an area where there is a high probability of wildfires (due to a dry climate and strong winds), it is recommended to purchase comprehensive coverage. Get free car insurance quotes from http://compare-autoinsurance.org
Comprehensive car insurance is designed to cover damage caused by factors not related to a collision. That means it will cover damage inflicted by events like a wildfire. Since California is no stranger to wildfires and the dry season has started to last longer, up to Decembers and January, insurers are known to charge more for this policy. The only way in which the car owners can compensate for high premiums is by asking for high deductibles. For comprehensive coverage, the recommended deductible is $500. In California is recommended to aim for at least $1000.
If the car was damaged/totaled by the wildfires, contact the insurer as fast as possible. Take clear photos of the wreck and send them to the insurance company. Take photos only if you are not in immediate danger. Starting a photo session when flames rage nearby is not recommended.
Another important thing to remember is that the insurance company will use the Actual Cash Value to determine how much money will be reimbursed. The Actual Cash Value is the value of the car at the moment when it was damaged. Insurance companies use statistic data to determine value depreciation. Also, insurers will reimburse policyholders for custom equipment and accessories only if they were declared before the fire and, if required, a special coverage was purchased.
Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.
For more information, please visit http://compare-autoinsurance.org
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SOURCE Compare-autoinsurance.org
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