Falling tree limbs, blowing debris, hail, or flood water may damage your vehicle. Comprehensive insurance, also called other than collision, provides coverage for vehicle repair linked to weather-related loss.

Although comprehensive is an optional coverage, most lenders require it. Find out if your auto insurance policy includes comprehensive coverage. Verify which vehicles have it and how much you pay out of pocket if a claim occurs.

A liability-only policy does not pay for damage to your vehicle.

Check for damages after the storm. Take pictures and report the loss to your insurance agent right away. The insurer will assign a claim number and adjuster to confirm coverage, investigate and assess damages and make a settlement offer.