Does Car Insurance Cover Storm Damage to Your Vehicle in New Jersey?

There are many things you'll have to be aware of when operating a motorized vehicle. One of them is how much coverage is necessary to be protected on the open road. New Jersey car insurance can come in handy when you're dealing with storm damage to your auto.

Fortunately, a New Jersey independent insurance agent has access to highly rated carriers that can help. They'll review your policies for free and find a market that makes sense. Connect with a local expert to get started at zero cost to you.

What Is Storm Insurance?

In New Jersey, a storm could wipe out your assets faster than you think. The proper protection is necessary to avoid financial devastation. Take a look at how storm insurance can help:

• Storm insurance: Insurance for storm damage to your vehicle is added to each policy under comprehensive limits. Tornadoes, hurricanes, severe winds, lightning, and hail damage could all be insured under this coverage type.

Estimated overall losses due to natural disasters in the US, by type

When a storm occurs, it can create damage that you may not be ready to handle. That's why having the right policy in place is crucial.  

What Does Storm Insurance Cover in New Jersey?

Contrary to popular belief, storm damage to your vehicles is not automatically covered under your car policy. If you want proper coverage, you'll have to add it in the form of comprehensive insurance. Check out what your New Jersey comprehensive limits will cover for storm damage:

• Hail damage to your car
• Wind damage to your car
• Tornado damage to your car
• Lightning and fire damage to your car
• Hurricane damage to your car
• Other severe storm-related damage to your car

Am I Covered If I Am Injured in a Storm While Driving?

Each car insurance policy usually comes with a medical payments limit that helps cover injuries sustained when a third party is not at fault. Without enough coverage under medical payments, you'd have to pay out of pocket for any medical expenses exceeding your limits. 

Once the amount of your medical payments is exhausted, your health insurance can kick in. Your deductible will apply, and it can be a lengthy process. Discuss options in New Jersey with a trusted adviser for more specifics on medical protection.

Are Personal Belongings inside My Car Covered in New Jersey?

If a storm caused damage to your vehicle, the belongings inside your car could be at risk too. The replacement and repair of your personal items don't come standard on your policy. Comprehensive limits are necessary to have the proper protection.

Frequency of private passenger comprehensive auto insurance claims for physical damage in the US

The number of losses that are classified as comprehensive claims is high. To have enough insurance, you'll want to consider this type of coverage.

How to File a Car Insurance Claim for Storm Damage in New Jersey

When you're involved in a loss to your vehicle, it can feel like an uphill battle. You'll want to do the following to file a car insurance claim when storm damage occurs:

• Step 1: Get to a safe place.
• Step 2: Call your independent insurance agent to file a claim.
• Step 3: Get a replacement vehicle while your car is being repaired or replaced.
• Step 4: Set up a meeting with your assigned adjuster .

How an Independent Insurance Agent Can Help in New Jersey

Car insurance can be confusing no matter where you live. In New Jersey, you'll have several optional coverages that can be added to your auto policy. To ensure that you're obtaining the correct insurance for your situation, consult with a licensed professional.

A New Jersey independent insurance agent can do the shopping for you at no additional cost. They'll run the numbers through a network of carriers so that you get the best coverage that's affordable. Connect with a local expert on trustedchoice.com for custom quotes in minutes.