Hurricane Damage to Automobiles: Covered by Car Insurance?

Irene left millions without power as it churned up the eastern seaboard.

Irene left millions without power as it churned up the eastern seaboard. (image by

As those on the east coast of the United States seek to normalize their lives in the wake of Hurricane Irene, which cut power to millions and has been blamed for numerous deaths, some will be dealing with damage to their homes and automobiles. The largest insurer in the U.S., State Farm Mutual Automobile Insurance Co., is reporting that thousands of homeowners and auto claims have already been submitted.

The question many are asking right now is if damage to their automobiles related to Irene is covered by their car insurance policies. Weather-related damage such as damage from falling tree limbs, impacts from other kinds of flying debris or even water damage caused by flooding as hurricanes are apt to cause, will fall under the definition of acts of God.

Quite simply, acts of God refer to a natural disaster that cannot be foreseen or prevented by humans – events and occurrences that are completely out of human control.  This includes both big and small catastrophes, such as things like: earthquakes, hail, hurricanes, lightning, tornados, volcanic eruptions, and windstorms.

These types of events, just like all weather-related damages, are covered if a policyholder has comprehensive coverage on their automobile. Those with liability-only auto policies will find themselves out of luck, and responsible for their own repairs.

About Cecil Helton

Cecil Helton Cecil Helton is a U.S.-based writer and editor with passions for cars, motorcycles, boats, technology and social media. Much of his professional life since 1996 has been web-centric, and he’s written and developed content on a variety of subjects. His work in the houseboat industry received wide acclaim, such as winning the 1999 Cisco Systems Growing with Technology award and being named one of five finalists in the manufacturing sector of the 2000 Computerworld-Smithsonian Awards. As an Air Force brat, he spent much of his childhood in a two-year cycle of moving to a new place, making new friends, establishing a life, and then moving again. Destinations included: Kentucky, Illinois, Texas, the Greek isle of Crete, California and Ohio. Today you’ll find Cecil coping with his 15 year old son’s decision to pursue a motorcycle license at the same time he gets his driver’s license, being active across the web on multiple social media sites, and of course, writing articles and creating content on automotive and car insurance related topics right here at

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