How Comprehensive Insurance Can Protect Hurricane Victim|Florida

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Comprehensive-Insurance

 

Table Of Content:


1.0 How The Hurricane Ruined Florida's Vehicles?

2.0 The Roles Of Car Insurance Companies Following Hurricanes That Ruined Florida Cars.

3.0 Comprehensive Car Insurance: A Solution To Hurricane Disaster In Florida

4.0 Conclusion



1.0 How The Hurricane Ruined Florida's Vehicles?

 

In recent times, it was reported that rescue operations waded through major streets in the State of Florida working tirelessly to save thousands of Americans trapped in their various flooded homes as a result of the effects of a 4-category hurricane, one of the strongest storms to hit America, which moved through the Atlantic Ocean toward South Carolina.

 

The motor vehicles of Floridians were not left out of these massive destructions of lives and property as the storms penetrated major car parks and motor garages.

 

According to the information desk of the National Hurricane Center, it was forecast that a category 1 hurricane would affect South Carolina, causing more destruction to the homes and automobiles of Floridians.

 

According to reports, the famous Fort Myers Road was littered with broken trees, leaves, and other debris in addition to boat trailers and other litter.

 

It was discovered that the storms in Lee County washed away cars, with some even floating out into the ocean.

 

Motor vehicles were stormed by trees as drivers fled the scene in their abandoned vehicles, desperately trying to save their own lives. Most of the abandoned motor vehicles were stalled when the hurricane hit the engines and vandalized body parts.

 

The negative economic impacts of the storms on the automobile industries in the State of Florida are unquantifiable.  This unfavorable environmental factor adversely affected the cost of car insurance premiums in the State of Florida.


You may experience a significant hike in your premium irrespective of your car insurance provider, either State Farm commercial auto policy or Geico auto policy.


2.0 The Roles Of Car Insurance Companies Following Hurricanes That Ruined Florida Cars

 

The hurricane season in 2022 is expected to be even more disastrous than previous ones.

 

Every year, the months of June to November in the state of Florida are storm and hurricane season, and these months can have devastating effects on the auto industry.

 

According to reports, Texas and the nearby states experienced an estimated one million motor vehicle losses due to Hurricane Harvey in 2017. In the State of Florida, the hurricane season causes additional damage to vehicles and property each year.

 

Automobile insurance providers in hurricane-prone States have unique roles to play right after storms when vandalism to vehicles has significantly decreased.

 

The most crucial of these responsibilities that car insurance companies have toward the owners of their respective policies are claims indemnity.

 

It is a mutual agreement between a car insurance carrier and a car policyholder where the former agreed to compensate the latter in the event of disaster in exchange for premium payment.


In a situation where you add Geico comprehensive insurance to your existing auto policy, you get financial protection for damages to your vehicle that may occur as a result of non-collision events such as theft, fire, or natural disasters.

 

In an automobile insurance policy, a car policyholder is an indemnitee, while the car insurance company is the indemnitor in the auto insurance deal.

 

The car insurance company must have agreed to indemnify the car policyholder or any other third party for damages or losses in accordance with the terms and conditions of the auto policy.

 

In the cases of hurricane attacks in the State of Florida, car insurance companies are expected to perform the following roles in the interest of their car insurance policyholders:

 

(a) Coverage Of Legal Fees Associated With The Storm:


In the event, the hurricane generates lawsuits before a court of law against the interests of a car policyholder, the car insurance provider has a special role to play by exhibiting financial responsibility toward the defense of their client in various courts of law.

 

(b) Payment Of Medical Expenses And Medical Bills: 

 

Car insurance companies are expected to rise to the occasion by covering medical costs and medical bills if Florida residents with automobile policies suffer bodily injuries as a result of hurricane attacks on moving vehicles.

 

Under this arrangement, car drivers and their passengers are covered by car insurance companies up to their liability limits. It is suitable for car policyholders with medical payment coverage.

 

(c)    Coverage For Property Damage Repairs:

The type of car insurance applicable to a hurricane in the State of Florida is a comprehensive car insurance policy. Car policyholders with a comprehensive car insurance policy are adequately covered in terms of motor vehicle repairs, and even possible car replacement.

 

3.0   Comprehensive Car Insurance: A Solution To Hurricane Disaster In Florida

 

In the automobile industry, comprehensive car insurance is a suitable auto policy that can cover the damage which occurs from hurricanes, storms, and flooding, including the flying of debris.

 

Hurricane damage is expensive to manage in the face of post-COVID-19 natural disasters.

 

The types of auto insurance policies that could repair the vandalized motor vehicles of car policyholders damaged by hurricanes are collision and comprehensive car insurance policies.

 

The following are a few typical instances of hurricane-related car vandalism:

 

(a)    Falling Debris Damage:

Comprehensive car insurance will compensate the victim for the windscreen impact or strike if debris hits the car of a car policyholder during a hurricane.

 

(b)    Disastrous Storm/Wind:

A comprehensive car insurance policy would take care of the catastrophe if a storm or horrendous wind turned the car of a car policyholder over.

 

(c)    Water Damage To Motor Vehicles:

Comprehensive car insurance will provide auto insurance coverage where floods or storms damage the engines of insured motor vehicles during a hurricane.

 

4.0   Conclusion

Car owners who reside in hurricane-prone states are enjoined to acquire comprehensive car insurance policies to provide car insurance coverage to their motor vehicles in the event of hurricanes and storms.


Frequently Asked Questions:


Do car insurance companies have any specific roles during a hurricane in Florida?

Yes, car insurance companies play a vital role during hurricanes in Florida. They are responsible for helping their policyholders file claims for damages caused by the hurricane.

What kind of damages can be claimed from car insurance companies during a hurricane in Florida?

Policyholders can claim damages caused by strong winds, flooding, fallen trees, debris, and other hurricane-related damages.

Can car insurance companies deny claims for damages caused by hurricanes in Florida?

Car insurance companies cannot deny claims for damages caused by hurricanes in Florida, as long as the policy covers the damage in question.

Can car insurance companies provide any financial assistance to hurricane victims in Florida?

Yes, car insurance companies can provide financial assistance to policyholders affected by hurricanes in Florida. For instance, they can offer advance payments or temporary living expenses for policyholders who are temporarily displaced from their homes.

Can car insurance companies provide any additional services to their policyholders during a hurricane in Florida?

Yes, car insurance companies can provide additional services to their policyholders during a hurricane in Florida, such as towing services, emergency repairs, and temporary transportation services.

Can car insurance companies help their policyholders prepare for a hurricane in Florida?

Yes, car insurance companies can provide resources and guidance to help policyholders prepare for hurricanes in Florida, such as safety tips, emergency contacts, and recommended evacuation routes.

What kind of damages can a person experience during a hurricane in Florida?

Hurricane victims in Florida can experience damages such as property damage, personal injury, loss of income, and emotional distress.

What kind of financial assistance is available to hurricane victims in Florida?

Hurricane victims in Florida may be eligible for financial assistance from various sources, such as insurance companies, government agencies, and non-profit organizations.

Can hurricane victims in Florida seek legal assistance for their damages?

Yes, hurricane victims in Florida can seek legal assistance to recover damages caused by the hurricane. They can hire a lawyer to file a claim against their insurance company or pursue legal action against the responsible party for damages.

What is the National Hurricane Center in Florida?

The National Hurricane Center (NHC) is a division of the National Oceanic and Atmospheric Administration (NOAA) that is responsible for tracking and forecasting hurricanes in the Atlantic and Eastern Pacific Oceans.

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