From hail to flooding, comprehensive car insurance coverage protects against natural disaster damage.
Comprehensive coverage protects your car from damage caused by natural disasters and "Acts of God" such as riots, theft and vandalism, as long as you carry the coverage before the damage occurs. This coverage is designed to cover a vehicle in the case of events occurring outside the control of the driver. Let’s explore the primary threats covered by comprehensive car insurance coverage, and some key concepts to keep in mind.
Flood damage presents serious concerns for car owners — but you can stay covered by continuously carrying comprehensive coverage. With flood damage and car insurance, timing is everything. Insurance companies may enact binding restrictions on any new or existing policy once a flood threat has been indicated. Ensure you have comprehensive coverage prior to a forecasted flood. If a natural disaster is scheduled to hit your area and a binding restriction is in place, you will not be able to add comprehensive coverage to your policy.
Motorists only receive coverage against damage caused by forest fires and wildfires if they maintain comprehensive coverage. As with floods, timing is important: most insurance companies will enact binding restrictions if there is a wildfire in the area.
You do not need an additional coverage option to protect your car against hurricane damage — it remains covered by comprehensive coverage. Just like flood and fire coverage, ensure you carry this prior to a storm warning being issued or a binding restriction being placed on policy additions.
Although you will need a separate policy to protect your dwelling in the event of an earthquake, a vehicle will be covered via a comprehensive auto insurance policy. Be sure you have this coverage before your vehicle is damaged or risk having your coverage denied.
Regardless of the amount of damage your vehicle sustains, comprehensive coverage will repay your losses after a hail storm. Depending on the nature of your car ownership, whether or not you need to file a claim for the damage may already be decided for you.
If you’re unsure if you should file a claim, read more about car insurance after a hail storm.
"Acts of God" refer to damages caused by circumstances of the control of the driver. In addition to natural disasters, this includes:
Comprehensive coverage acts as a catch-all for anything left uncovered by collision or liability insurance. This includes damages incurred during riots or civil unrest.
It depends. Because comprehensive insurance covers damage to your vehicle, expensive vehicles cost more to insure. Our analysis used a generic user profile, driving a 2013 Honda Accord to gauge how much insurance providers across the US charge to add comprehensive coverage.
|Insurer||Average Annual Premium|
For qualifying drivers, USAA is the cheapest insurance company for this coverage. GEICO is another affordable option.
Comprehensive coverage isn't cheap, so audit your situation and make an informed decision about its necessity. Do you want to pay the premium necessary to receive compensation if your vehicle is damaged or totaled by a weather event? This can be tricky to answer. Follow our steps below to see if you need this coverage.
If your vehicle is worth less than $4,000, your insurance agent might advise you to drop this coverage. In this case, comprehensive coverage would yield a very small payout in the case of a total loss.
If you are, you’re required to carry this coverage in order for the other party’s — the lender or dealership — to protect their investment.
If you’re not leasing or financing but are planning on selling your vehicle in the future, comprehensive and collision coverage are great ways to maintain the vehicle’s resale value.
Because the damage is generally outside the control of the driver, you will not be penalized as much after you file a claim as you would for an at-fault accident. Our State of Insurance analysis showed insurance rates rise by an average of 7% after not-at-fault accidents.
|Year After Accident||Average Annual Premium|
|1 Year Later||$1,525|
|2 Years Later||$1,623|
|3 Years Later||$1,721|
The above data is broken down over a maximum of three years — that is how long most insurance companies will keep a violation on your premium. The next area you should think about in terms of a rate increase is what is known as a rate revision.
Most insurance companies undertake rate revisions once each year. An insurer takes this opportunity to review the previous year’s loss records, using that data to price their premiums in the future. For years with significant losses, i.e., following a costly natural disaster, insurance companies may raise premiums to balance their books.
While all insurers revise rates from time to time, the percentage by which they raise premiums isn't always the same. If you’ve experienced a significant rate increase at the end of your policy or even after filing a comprehensive claim, consider that a good opportunity to shop around for car insurance. Enter your zip code below to see how much you could be saving.
As long as you have comprehensive coverage prior to a storm warning or damage occurring, you will have coverage against natural disasters. Given these types of unexpected events can occur at any time, it’s a good idea to keep your comprehensive coverage on your vehicle at all times if you live in an area prone to "Acts of God."
Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.
Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.
National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.
For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.
Finally, some rate data may vary slightly throughout report based on rounding.