Storm damage to the vehicle? The insurance pays for that!

There has been a heavy storm outside, especially in the last few days, and now maybe the vehicle is damaged? In this case, you must first contact the Insurance be included before the Workshop is visited. But what costs does partial or fully comprehensive cover actually cover? It is important that the call to the insurance company as soon as possible he follows. Let's take the last hurricanes as an example Ylenia and Zeynep. In such cases, the insurance companies often leave collective report create on specific dates, since usually a large number of vehicles in a certain region have suffered damage. If you miss this appointment or cannot attend, you have to be patient. Because this is not an accident that was caused by someone else, the injured party may no own appraiser turn on. Likewise, from a repair discouraged on your own, because here there is a risk that you will have to pay the costs yourself in the end.

Who Pays for Storm Damage?

car owner with Comprehensive insurance are often on the safe side, because the protection against storm damage to the car is mostly good. Usually here comes the Partial coverage used while the holder the excess must take over. A downgrade in the no-claims class will be applied in such a case not done. Sometimes, however, the insurance company asks the vehicle owner for information from the weather office and proof of storm damage. It must be proven that the wind force at the time of the damage was at least level 8. And it will only damage through no fault of your own paid. For example, if the car hits a tree while driving that has been on the road for a long time, drivers with partially comprehensive insurance get nothing. only the Fully comprehensive In this case, the costs will be assumed.

Can a claim be made against owners of fallen trees?

Even vehicle owners without comprehensive insurance go not in every case blank. Here, however, it depends on the exact case. If the vehicle owner can be accused of violating the duty to ensure road safety, it is even possible to make a claim Homeowners, owners of fallen trees or construction companies and ask them to pay. Let's take the example of a house with fallen roof tiles. Here the homeowner must prove that he has carried out regular checks to ensure that the bricks are correctly seated. Anyone who owns one or more trees is also obliged to check their condition. He also has to ensure that any rotten branches in the area of ​​the road are removed. Evidence of the inspections carried out must be submitted by the owner. If the vehicle has been damaged by a toppled site fence or a construction site sign, the operator must assume liability if these facilities are not professionally secured were.

What you as a driver should pay attention to in a storm!

If you cannot avoid driving despite a storm, you should always be aware of the danger you are exposing yourself to. Drive extra carefully and adjust your speed accordingly. Grip the steering wheel firmly with both hands, especially if you notice a strong side wind on the motorway bridge or in front of a forest aisle. Crosswinds are primarily a danger for cars with attachments such as roof boxes or bike racks, as well as high vehicles such as trucks, buses or trailers.

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