Hurricane season brings about the need for vigilance in monitoring the weather and for protecting your family and assets. Along with your home, your car is also susceptible to major damages during hurricane season. Getting your car ready for evacuation and having your auto insurance in place for financial protection is necessary if you live areas of the U.S. at the highest risk for these monster storms.Here are some safety tips to help prepare for the hurricane season.
Hurricanes and Auto Insurance: Monitor the Situation Yourself
You should be aware of the situation if an impending storm is heading your way. If at all possible, get out before the announcement of evacuation. By waiting till evacuation is announced, you put yourself in the situation of crowded highways and interstates. This will surely waste valuable time and increase your stress level due to the massive traffic problem. In addition, the congested traffic leads to more time on the road and the increased possibility of an auto accident.Hurricanes and Auto Insurance: Garage Vehicles Left Behind
If you have to leave vehicles behind, or decide not too leave your home, make sure you at least garage all vehicles. While it may not completely protect your vehicle(s), it will provide an extra layer of protection. The garage can stop most flying debris that can severely damage your vehicle. From broken windows to chipped paint to falling tree branches, the protection of your garage can save you in repairs and the resulting increase in rates that can accompany a large auto insurance claim.Hurricanes and Auto Insurance: Prepare Your Travel Vehicle
If you are planning on evacuation, you need your vehicle to be in tip-top shape. It is best that you check your tires before hurricane season begins. Keep up with your oil change schedule so you don't find yourself in a situation where you have to evacuate hundreds of miles inland and the oil has not been changed in 6 months. It is also a good idea to gas up your vehicle several days before an evacuation. Long lines at the pumps and the possibility of a shortage are likely during an evacuation. It is also a good idea to take your car to the mechanic for a once over at the beginning of the hurricane season as a preventative measure.Hurricanes and Auto Insurance: Make Sure Your Auto Insurance is Up-to-Date
Your auto insurance policy should be up-to-date at the beginning of the hurricane season. This means making sure you have the right protection for your vehicle. Comprehensive and collision coverage will be necessary in order to pay for repairs due to hurricane damage. Also, make sure that your car insurance company does not exclude coverage for hurricane damage. While most policies will cover hurricane damage, some may not and it is better to be safe than sorry. In addition, if a big storm is about to hit, make sure you are paid up on your premiums so there are no hassles if a claim must be maid.Hurricanes and Auto Insurance: Shop Around for the Coverage You Need
