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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: May 9, 2022

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

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Does car insurance cover wind damage?

Living in certain regions means contending with windstorms, tornados, and the damage that high-speed winds can cause. Wind can make your car door fly open when you're getting out, resulting in a dent in the door. Flying debris can also crash into your car, which may cause dents or shatter windows. In severe cases, wind could literally lift your car up and blow it away. Depending on the type of coverage you have, you may or may not get financial help for this type of event. Collision and liability coverage don't cover acts of god like this. Depending on the company, there may also be exclusions in place. How do you know if you're covered, and what do you need to know about your policy service options?

What does collision and liability coverage offer?

When you have a collision or liability plan, you’re legal to drive with a valid drivers license. Collision insurance will cover your damage in the event of a qualified collision on the road. But your provider almost never takes care of wind damage if this is your only coverage.

These plans do not cover damage from natural causes, such as from a windstorm, tornado, or hailstorm. If you have collision or liability insurance, you pay a lower monthly rate. However, you don’t have your insurance company to lean on if something happens to your car that’s out of your control.

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Do you have comprehensive insurance coverage?

Of the three main options, only comprehensive coverage pays for repairs outside of car accidents or other collisions. It is the only plan that takes care of you after acts of nature damage your car, such as a windstorm. Anything that’s not directly related to a collision would fall under comprehensive.

With comprehensive coverage, you pay more for better coverage if you need repairs due to an event outside your control. However, you may have to pay at least some of the repairs depending on how high your deductible is. Generally, drivers choose matching deductibles for comprehensive and collision.

While you may be concerned about cost, your comprehensive insurance is generally much smaller than your collision coverage premium. Some drivers also have an umbrella policy to provide extra coverage in the event of a large accident of some kind. With or without an umbrella policy, these policy service options provide valuable coverage whether you drive or not.

Where can you find the auto policy you need?

If you’re shopping for an insurance policy, one of the best things you can do is check in with experienced agents. Let insurance agents get you quotes from a few companies. Then you can compare customer reviews, premiums, and other important factors before you’re dealing with serious property damage. Such as your car door and wind damage, which can happen at any time. You want to be sure you’re prepared, and that situations like that won’t have to come directly out of your pocket if you can help it.

Your auto insurance is typically something you pay for assuming it will be there when you need it. You may have changed policies because your previous policy didn’t live up to your expectations when you needed help. With the right research and comparisons, you can get the facts you need before you’re in crisis.

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