loader

Electrifying Expenses: How Car Insurance Responds to Lightning-Induced Harm

Aug 16, 2023

Car Insurance

Electrifying Expenses: How Car Insurance Responds to Lightning-Induced Harm

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. 

Does Car Insurance Cover Lightning Damage? 

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.  

What Happens When Lightning Strikes a Car?  

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.  

How to Tell if Your Car Was Struck by Lightning 

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. 

How to Fix a Car Struck by 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.  

Fuller Insurance Agency: Your Partner in Preparedness and Protection 

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

Investing Wisely: How Insurance Affects ROI in Income Properties
Investing Wisely: How Insurance Affects ROI in Income Properties
Life Changes, Policy Choices: When and Why to Reassess Your Insurance Needs
Life Changes, Policy Choices: When and Why to Reassess Your Insurance Needs
Navigating Rental Risks: Common Claims and How to Prevent Them
Navigating Rental Risks: Common Claims and How to Prevent Them
Tech Revolution: How IoT and Smart Homes Are Reshaping Insurance
Tech Revolution: How IoT and Smart Homes Are Reshaping Insurance
Understanding Commercial Auto Insurance for Human and Social Services Agencies
Understanding Commercial Auto Insurance for Human and Social Services Agencies

Color Contrast

Bigger Text

Text Align