Wednesday, March 18, 2009

Hurricane Season: Tips To Cover Your Ride

By Chimezirim Odimba

June through November is hurricane season and they tend to pop up sporadically. In areas that are more likely to experience hurricanes, car insurance companies make changes in how they handle claims. Especially during September, which is peak hurricane season, some of the most horrible hurricanes are seen.

That can be a big concern for insurance companies because it increases risk. People tend to disregard car insurance until a time like this arises. This is where the very fine print comes into play on your policy.

Here you will find out what kind of coverage you really have. When a disaster hits, you will wish you had known this. Spot any potential risk to your automobile in a hurricane.

During a hurricane, it would be comprehensive insurance that would cover you. There is a lot to think about during times like this.

Gap coverage and rental reimbursement offer another big advantage to you. If your car was ruined during a hurricane, gap coverage would cover you. The typical buyers of gap insurance are those with new vehicles. A Gap policy covers the difference in cost between a new car and a recently-depreciated vehicle of the same type.

Rental reimbursement will provide for your rental if your car is not drivable. This would be for those that suffered damage and are in need of repair. This blanket of protection should be bought in advance of any hurricanes.

Insurance companies won't touch you if you wait until the last minute. Insurance companies recognize that your demand will bring them a loss. Insurance companies are businesses too and they operate to make a profit.

The policy would have to be active for at least 30 days prior to your being covered. The insurance company needs to have a degree of guarantee. Purchase this sort of policy well ahead of any unforeseen disasters.

You can also take some precautions yourself by parking in a garage rather than leaving your car outside. Remember that filing claims will raise your premiums. Sometimes these things are out of your control. In the event that you can offer protection, aim to.

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