Finance

Who pays when and what?

Every year there is considerable damage from storms and storms: If you do not have sufficient insurance coverage, you will be awakened with the bill at the latest. What damage is covered by car insurance?

Fallen trees and blown objects can wreak havoc on your car. The repair costs for the car are only covered by a comprehensive insurance in the event of storm damage from wind force eight. With fully comprehensive insurance, on the other hand, the damage is already covered at lower wind speeds.

Partial and fully comprehensive insurance companies replace damage to the parked car with flying objects such as facade parts, roof tiles or branches. Accidental damage, i.e. if you cause an accident due to the storm, only covers a fully comprehensive insurance.

Report the damage to the insurance company

The best thing to do is to report to the insurance company as soon as possible. According to the Association of Insured Persons (BdV), this can be done by telephone, but it is better to send it by registered letter with acknowledgment of receipt. In this way, owners can document the message in case of doubt. Many insurers also offer contact by email. The further procedure is then discussed with the insurance company.

Holders should document the damage as well as possible. It is best to take some photos that show both the car and the surroundings. Some of the pictures should show the damage in detail. If there are witnesses, you should include them in the report. According to the BdV, there is no need to report storm damage to the police.

Motor insurance: How much is the excess?

Incidentally, you have to pay yourself up to the amount of the deductible you have chosen. If you have only taken out liability insurance, you will go completely empty.

Incidentally, injured parties are only downgraded to self-inflicted damage.

Storm damage: what are the exceptions?

If, for example, a rotten tree falls from a private property and falls onto a car parked on the street, the property owner has to pay because the accident was not caused by force majeure, but because the property owner did not meet his “traffic safety obligation”.

The same applies to damage caused by street signs that were not properly anchored. On the other hand, if the sign was OK, the city would not have to pay for any damage, as the signs did not have to be designed for extreme weather conditions.

Does car insurance pay even if the damage occurred while driving?

Storm damage incurred during the journey can be claimed for a partial coverage if you as the driver can prove that flying parts were blown directly in front of the car. In this case, too, the excess agreed upon with the partial coverage is due.

However, the situation is different when, for example, a driver drives against a tree that has been uprooted by the storm and has been lying on the road for a long time. In this case, only comprehensive insurance covers the costs of the damage incurred.

Are all costs reimbursed by storm damage?

The car insurance usually only reimburses the costs for direct storm damage, for example repair costs or replacement costs less the deductible regulated in the contract. However, the insurance company must be informed immediately so that it can provide an expert.

The situation is different if a third party has not fulfilled his security obligation. For example, if a homeowner has not adequately secured their roof or the like, causing parts of it to fall in a storm and damage a car, the victim will receive all of the damage. In this case, the polluter’s insurance usually bears the costs of the storm damage, including the impairment of the vehicle and a rental car. There may also be additional costs for an expert and lawyer.

In any case, you should check your insurance documents to see what damage your insurance covers and in case of doubt, ask again exactly.

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