Woods Park, Nebraska
3130 O Ste B
Lincoln, NE 68510
(402) 477-0900

Does Auto Insurance Cover Wind & Hail Damage? April 23, 2018

Woods Park, Lincoln
Does Auto Insurance Cover Wind & Hail Damage?, Lincoln, Nebraska

A basic auto insurance policy usually contains a number of different types of coverage, so your level of protection varies by which you purchased and how high the limits are. For instance, one of the perils of owning a vehicle in the Great Plains states is storm damage, particularly by wind and hail storms. As a Nebraska resident, you may wonder if your policy protects you against such perils. The answer is: It might, depending on what coverage you have.

An Introduction to Auto Insurance Coverage Types

auto insurance in Lincoln, NEThe Nebraska Department of Motor Vehicles requires all registered vehicles have liability coverage, which protects other drivers from your mistakes. It pays for property damage and the treatment of injuries, as well as legal fees if you're sued because of an accident you cause. Other common types include collision coverage—which pays to repair or replace your vehicle if you're in an accident—and comprehensive coverage, which protects the car against issues that don’t stem from a crash.

Comprehensive Coverage Protects You Against Hail Damage

Thus, to protect your car against non-collision damage from windstorms and hail damage, you must purchase comprehensive auto insurance coverage. It is entirely optional, but it makes a great deal of sense to buy it to preserve the value of your car, especially if it is a late-model vehicle and still valuable. In addition to storm damage, it also protects the car against fire, vandalism, theft, and, depending on the provider, hitting a deer or another animal. Comprehensive coverage is even valuable if you plan to store the car for the winter and won't be driving it, since it covers so many non-driving perils.


With the right auto insurance coverage, you can protect yourself and your vehicle against almost any peril, whether you're on the road or not. For expert guidance, contact Allstar Insurance in Lincoln, NE. They've been in business since 1995 and also specialize in RV and motorcycle insurance. Visit their website to view a map to their office and business hours, or call (402) 477-0900 to request a quote.

Other Announcements, Events and Deals from Allstar Insurance
Your Questions About Buying Motorcycle Insurance Answered, Lincoln, Nebraska
Whether you’re an experienced motorcyclist or new enthusiast, staying safe on the road is critical. Having the proper motorcycle insurance in place can protect you against ...read more
Do Uber® & Lyft® Drivers Need Special Car Insurance?, Lincoln, Nebraska
Becoming a driver for Uber, Lyft, or another ride-hailing company is a convenient way to make cash. However, without the proper auto insurance, you risk losing everything you've earn...read more
Why Your Auto Insurance May Not Extend to Border Countries, Lincoln, Nebraska
What’s a more exciting way to spend the holidays than a road trip to Mexico? Or a ski excursion up in Canada? Before you pack up and hit the highway, make sure your auto insurance&nb...read more
4 Home Safety Tips for the Holidays, Lincoln, Nebraska
The holidays can be a wonderful time, but also a hazardous one since cold weather often brings with it an increase in the number and intensity of house fires. While you should p...read more
FAQ: Understanding Auto Insurance on Leased Vehicles, Lincoln, Nebraska
As a responsible driver, you understand the importance of buying a good auto insurance policy when you purchase a vehicle. However, for many people, owning a car outright is not...read more