Lightning strikes can be dangerous and unpredictable. While they may be a rare occurrence, they can cause significant damage to your car, leaving you with costly repairs. If you’re wondering whether your insurance policy covers lightning strikes, read on to find out.
What is covered by car insurance if your car is struck by lightning?
If your car is struck by lightning, the damage may be covered under your comprehensive car insurance policy. Comprehensive insurance covers damage to your car that is not caused by a collision, such as theft, vandalism, and natural disasters, including lightning strikes. However, it’s important to keep in mind that not all policies are created equal, and coverage can vary depending on your insurance company and policy.
If your car is damaged by lightning, the insurance company will typically send an adjuster to assess the damage and determine the cost of repairs. Depending on the extent of the damage, the insurance company may choose to repair the car or declare it a total loss and provide you with a payout.
What is not covered by car insurance if your car is struck by lightning?
While comprehensive insurance typically covers damage caused by lightning strikes, there are some situations where it may not apply. For example, if you were driving during a lightning storm and the strike caused an accident, the damage to your vehicle may be covered under your collision insurance instead.
Additionally, if you have a liability-only policy, which only covers damage to other people’s property in the event of an accident, your car would not be covered if it is struck by lightning.
How can you ensure you’re covered if your car is struck by lightning?
If you’re concerned about the possibility of your car being struck by lightning, it’s important to review your insurance policy and make sure you have comprehensive coverage. You may also want to consider purchasing additional coverage, such as roadside assistance, which can come in handy if you experience car trouble due to a lightning strike.
It’s also a good idea to take preventative measures, such as parking your car in a garage or covered area during a lightning storm, to reduce the risk of damage.
What to do if your car is struck by lightning?
If your car is struck by lightning, the first thing you should do is check for any injuries and call for medical assistance if needed. Next, you should contact your insurance company and report the damage. They will guide you through the claims process and provide you with instructions on how to proceed.
It’s important to document the damage by taking photos and writing down any details about the incident that you can remember. This will help to support your claim and ensure that you receive proper compensation for the damage.
Conclusion
If your car is struck by lightning, it’s important to understand your insurance coverage and take appropriate steps to ensure that your claim is handled properly. With comprehensive coverage and preventative measures, you can protect yourself and your vehicle from the potential dangers of lightning strikes.
