You may not be residing in Southern California that experiences about 10,000 earthquakes every year but it doesn’t mean you should say no to car insurance coverage against earthquakes.
While the majority of the ground movements are barely felt, there is still the possibility of vehicle damage. If you think the odds are so little that you’d rather keep the money than pay it to your insurance provider, you may want to think again.
Coverage against earthquakes
The market does not offer earthquake automobile insurance. But there’s a policy that provides protection and coverage against unpredictable scenarios such as fire, vandalism, and tremors. It’s called comprehensive coverage.
Comprehensive coverage will pay for the cost of repairing shattered glasses right after ground eruption happens. If you opt out of comprehensive coverage, prepare to pay for repairs out of your own pocket. Likewise, if the damage is beyond repair, replacing your car will be your sole responsibility.
What it covers
If you ever wonder what comprehensive coverage could provide you in case of an earthquake, take a look at the following. These are only a few of the many situations that would result in your vehicle getting damaged in an earthquake.
- A tree that fell on your vehicle
- Chipped paints as a result of falling debris
- Shattered glasses and broken windshield due to flying objects and
- Bodily damaged in case vehicle rolls over
The above-mentioned scenarios are the most common earthquake-related instances that cause a vehicle to get damaged. Other situations are considered covered provided they are proved to be caused by the ground’s movement.
Purchasing comprehensive car insurance is a great move when you reside or work in areas where tremors are usually experienced. Proper coverage is highly important even if you’re a few miles away from the fault line. Damages can spread in any direction and there’s no saying when an earthquake will occur.