Comprehensive Auto Insurance Galveston, Texas TX
Reader’s Question:
Will my liability insurance cover my car if it has been damage by hurricane in Galveston, Texas?
Anna
Galveston, TX
No, your liability auto insurance coverage will not cover your automobile if it is hurricane damages it.
Your liability coverages will only cover those that you may damage; this type of coverage provides no coverage to your automobile. Bodily injury (BI) and Property Damage (PD) liability coverages are the minimum types of auto insurance that many states mandate.
The physical damage of Comprehensive damage is the type of coverage you would really need if your automobile was damaged by a hurricane in Galveston, Texas. Flooding and winds are two main issues arising after a hurricane that can damage an automobile. Comprehensive coverage covers your automobile for damages resulting from incidents other than collision. Comprehensive insurance coverage covers damage to your automobile if it is damaged by flood, fire, or animals or if was stolen. Tree branches falling on your car and other “acts of nature” is covered by your vehicle insurance that fall under comprehensive coverage.
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