Does my Louisiana auto insurance policy cover hurricane damage?

September 14, 2012

In the wake of Hurricane Isaac, you may be wondering—does my Louisiana auto insurance policy cover hurricane damage?

The answer to this common question is… Maybe. Whether or not your Louisiana auto insurance policy will cover wind and flood damage to your car depends on the coverage you chose when purchasing your policy.

According to Louisiana law, the owner of a motor vehicle must carry car liability insurance to cover the damages resulting from an auto accident where you are deemed at fault.

Beyond the required coverages that come with any auto insurance policy, you also have the option of choosing from a number of optional types of coverage, including collision and comprehensive coverage.

If your concern is whether or not your Louisiana auto insurance policy covers hurricane damage, then comprehensive is the coverage you’ll definitely want to consider adding to your policy.

What is comprehensive coverage?

Comprehensive coverage pays for damage to or loss of your car from causes other than automobile accidents or “Acts of God.” These other causes of damage or loss include hail, fire, vandalism, theft and—the two that relate most to hurricanes—flooding and wind damage.

Other events covered by comprehensive coverage:

  • Riot
  • Damage resulting from an animal
  • Broken glass
  • Falling objects

If you have comprehensive coverage, it’s a good idea to review your policy carefully to learn what is and what isn’t covered.

What does comprehensive coverage cost?

Like any other component of your Louisiana auto insurance policy, the cost is determined by your age, experience, the value of the car, and so on. Your independent Louisiana insurance agent can help you shop around for the best insurance to meet your needs.

Another component that will affect the cost of your comprehensive coverage is the deductible you choose, which can range from $200 to $1,500. The higher the deductible you choose, the lower the premium.

To learn more about adding comprehensive coverage to your Louisiana auto insurance policy, contact Guffey Insurance Agency or fill out our free quote form and we’ll contact you as soon as possible.