Hurricane Damage to Automobiles: Covered by Car Insurance?

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

Secured with SHA-256 Encryption

Jeffrey Johnson
Insurance Attorney

UPDATED: Mar 26, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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.

Are you looking for free insurance quotes?

Your One-Stop Online Car Insurance Guide. Get a Free Quote Now!