Does Auto Insurance Cover Lightning Strikes?

  • Lightning

Although you might think that your car is immune to lightning damage, you would be wrong. Cars can get lightning damage and it actually can be very expensive to repair. This is why it is extremely important to make sure that you have the proper coverage if you get bad storms in your area. Generally, lightning will blow your tires out, damage the wiring, or burn the inside or outside of your vehicle.

How to tell if your car was struck by lightning?

car

In order to be able to tell if your car was struck by lightning, generally, you simply need to turn it on. If the car was struck by lightning, it is likely that the electrical panel will be damaged. This means that most cars that are struck by lightning will not be able to turn on at all. However, lightning sometimes does not make it all the way to the electrical panel. Occasionally, you will just find some burn damage on your vehicle. Look for marks in the paint and check your tires for damage. If lightning hits your car it often blows tires and leaves behind a mark.

Is my vehicle safe from lightning damage?

Different vehicles are safer than others when it comes to protecting against lightning. There are no vehicles on the road today that are a hundred percent lightning proof. Cars usually are made out of less metal now than they ever used to be. This is unfortunate, due to the fact that this is the main thing protecting your vehicle from lightning. If your car has a lot of metal, electricity flows around the outside of the car before going into the ground. However, in new cars, there is often a lack of metal. This means that electricity often flows through electrical systems and things like radios and car chargers. It is important to remember that lightning always takes the easiest path to the ground. Something like a convertible is definitely not going to be super safe from lightning damage.

What kind of insurance covers lightning damage?

In order to cover lightning damage, you need to pick up comprehensive insurance coverage. This type of coverage is designed to provide you with compensation for damages that occur when you don’t get into an accident. This essentially means that comprehensive insurance covers the costs of damages other than actual accidents. This type of coverage you can often claim without having your insurance premium increased. This is due to the fact that these claims are considered to be not your fault. You’re likely going to have to do more than one comprehensive insurance claim in order to have your insurance premium increase.

Should I get insurance for lightning damage?

lightning

In order to be able to file a claim for lightning damage, you need to have the right kind of insurance. To be able to get the right kind of insurance, you need to know what to look for. Fortunately, it’s pretty easy to be able to find an insurance company that will cover the lightning damage. This is due to the fact that it is an environmentally caused damage that isn’t going to happen very often. This essentially allows them to be able to make more money due to the fact that they are not going to pay out very many claims. You may want to consider paying for lightning coverage if you have a lot of storms in your area. Obviously, the chances of being hit by lightning are very small. However, the chances of you being hit by lightning certainly increase the more you are exposed to it.

How do I file a claim for lightning damage?

If your vehicle has been struck by lightning, it is important to take the appropriate steps. Your first step is to make sure that you properly document the incident. This means that you need to take note of the time, location, and state any witnesses that saw the incident take place. If there are any witnesses, make sure you get contact information from them. If you have a camera, be sure to take photos of all damaged areas of the vehicle. Your next step is to contact your insurance company and submit a claim. Your insurance company should then send you to a shop for a quote on damage repairs for your vehicle. At this point, you just need to share this information with your insurance provider and make sure that they will cover the damage.

Car struck by lightning won’t start

One of the common side effects of a lightning strike is that your vehicle won’t start after being struck. This is due to the amount of voltage that was sent to your vehicle. Often times, the heat and/ or the amount of voltage that the vehicle takes on fries internal wires. If your vehicle won’t turn over, there is likely a wire that is fried somewhere. There are many people who are capable of being able to fix and replace broken and fried wires.

How to fix a car struck by lightning?

car

If you want to fix your vehicle after it is struck by lightning, you have some work to do. It is extremely important to make sure that your vehicle is completely safe to drive before using it. You do not want to be driving down the road and have a major part fail on you. If this happens, you can get into a serious accident and injure someone else or even yourself. Although you might be tempted to make all their repairs and your own, it’s hard to know what all is damaged. Unless you are mechanic, it is a good idea to get someone else to look at the vehicle for you. Doing so moves the liability over to them in making sure that your vehicle is fixed properly.

To Conclude

Lightning is definitely not something that you want to mess with. Substantial damage can be done to your vehicle and it is important to make sure that you are prepared for that to happen. Having the right type of insurance is extremely important. However, it is also important to make sure that you have the right amount of compensation coverage. It is impossible to know if your vehicle will be hit by lightning on a given day.

Resources

https://weather.com/storms/tornado/news/what-happens-when-lightning-hits-car-20140625
http://oriellycc.com/what-to-do-if-you-think-your-car-was-struck-by-lightning/