Lightning strikes, a captivating yet destructive force of nature, are a legitimate concern for car owners. What happens when your vehicle becomes an unexpected lightning rod? Let's delve into how car insurance deals with lightning damage, the signs to look for, and the remedial steps to undertake.
This question ultimately boils down to your specific car insurance policy. Standard liability insurance typically does not cover lightning damage; however, comprehensive coverage often does. This policy covers non-collision-related incidents, like natural disasters, theft, vandalism, and lightning strikes.
If a bolt from the blue hits your car, extensive electrical and physical damage could be covered under comprehensive insurance. We always recommend thoroughly reviewing your policy details or discussing with your insurance agent to understand the extent of your coverage.
When a vehicle is struck by lightning, the current usually follows the metal frame into the ground, sparing the occupants from harm due to the 'Faraday Cage' effect. However, the car itself can sustain substantial damage, primarily electrical. It could fry the electrical system, ruin the battery, damage the radio and navigation system, or even melt parts of the car's frame.
The telltale signs of a lightning strike can vary. You might find burn marks or melted parts, particularly around metallic areas and the antenna. Your electrical systems might malfunction or not work, including your car's ability to start. In some cases, you might find punctured or exploded tires due to the intense heat of the lightning.
Repairing a lightning-damaged car can be complicated due to the potential for extensive electrical damage. It often requires professional help. Once your claim is approved, your insurance company will typically recommend an auto repair shop, or you may have the option to choose one yourself. Remember that some damage might not be immediately visible and may manifest later, particularly with the vehicle's electrical systems.
Being prepared for the unexpected is why you have insurance in the first place. At Fuller Insurance Agency, we help you understand and optimize your coverage based on your needs and concerns. Don't hesitate to contact our team if you need to upgrade your policy or file a claim. Stay safe, and let us cover the unforeseen so you can focus on the journey ahead. You can also get the information directly by ringing us at (800) 640-4238.