Car Insurance for Tornadoes Comprehensive coverage is the only kind of car insurance that typically covers damage caused by a tornado.
Comprehensive coverage is not usually required by state law, but if you finance or lease a car, the lender or leasing company will often insist that you carry it until the lease is over or the final payment is made.
Damages brought on by other storm-related hazards like flooding, hail, lightning strikes, and falling trees are all covered by comprehensive insurance.
However, if you do not have comprehensive coverage and your vehicle is damaged by hail or a tornado, you will be responsible for making the necessary repairs on your own.
It is essential to keep in mind that tornado damage is not covered by comprehensive insurance.
In the event that a tree limb falls during a tornado and smashes the window of your parked vehicle, comprehensive coverage will likely cover the costs of repairs.
However, you will need to file a claim against your collision insurance, another optional coverage, if you are driving and swerve to miss a downed tree and crash into a ditch.
