How Storms Can Affect Your Auto Insurance in Vero Beach

Storms happen all the time in Florida. It is important to know just how much a storm can affect your auto insurance in Vero Beach. Whether you are on the road or not, things can happen to your vehicle. Having the right insurance can make all the difference in the world when it comes to saving you money and ensuring that your car is drivable.

Exploring Insurance

You are required to have auto insurance in Vero Beach to begin with. Your insurance will cover property damage and personal injury regardless of whether you decide to add on additional coverage or not. However, you have to look at the various coverage options that may protect you in the event of a storm.

For example, if you are driving down the road and hail begins, it could be enough to damage the clear coat on your car. If it’s really strong, your car could end up looking like it was in a fight with a ball ping hammer. If you don’t have comprehensive coverage, you would be responsible for making the repairs out of your own pocket – and this could be a major expense.

If your car is parked in the driveway and storms are strong enough that a tree blows into it, your vehicle may not be drivable until some serious repairs are made. However, without comprehensive coverage or various other types of coverage options, you may be responsible for the repairs on your own as well.

Look at Common Claims

You have to look at some of the most common claims in Vero Beach. This will tell you just how unlucky some vehicle owners have been. Cars have been flooded, have experienced hail damage, and have had trees and other debris blow into them. These are some of the most common claims, though insurance agents could probably fill an entire notebook with the various claims that they have dealt with because of Florida storms.

Understanding the claims that have been made will make it easier for you to decide whether you want to add additional coverage. The basic insurance is what’s required by the state, though it can make a lot of sense for you to add on so that you have the financial protection in place.

Making a Big Decision

In Florida, hurricane season typically goes from 1 June to the end of November. This is six months out of the year. While a hurricane has not been too detrimental in the state of Florida for a couple years now, even the tropical storms can cause a significant amount of rain and wind damage. Plus, many meteorologists are saying that it’s only a matter of time before Florida gets hit by a big storm again.

This means that you have a big decision to make. You need to look at your auto insurance in Vero Beach and determine whether it has enough coverage for you to be protected in the event of a storm. Whether you are on the road or not, if your vehicle is damage, you want to be able to pick up the phone and file a claim without having to worry about it being denied because of not having the coverage in place.