Question
Does liability cover my damages caused by a windstorm?
I have liability insurance my car was damaged in a windstorm will it cover my damages
Answer
Unfortunately, no. The damage to your car will not be covered if you only have liability insurance. Liability insurance only covers damages and injuries that you cause to others. There is no coverage to repair any damages to your car. Comprehensive coverage would cover your car for damage caused by a storm. Typically you would also need to add collision coverage when adding comprehensive coverage. Collision coverage would cover your car if you cause an accident. Since you would be adding coverage to protect your car, the risk of having to pay out on a claim is higher. This means your rate will typically increase significantly. Check with your specific company if you are interested in adding the additional coverage for the exact rate. Keep in mind, adding the coverage now will not cover the damage that has already been done and you must disclose the damage when purchasing additional coverage. Good luck.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started. No phone number required.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.