Storm Damage to Vehicles
Storms can damage autos in a number of ways:
- Hail damage to the exterior and glass
- Flood damage to the engine and interior areas
- Wind driven debris damage
- Damage from fallen trees
- Tornado damage
Coverage for these types of losses is provided by your policy under the "Comprehensive" portion of the auto policy. Some policies call this coverage "Other than Collision".
How to file and settle a claim
- Call your agent or the claims processing center listed on your "Minnesota Insurance Identification Card."
- Document the damage with photos.
- Obtain estimates from repair facilities. Your insurance company may want more than one estimate including one from their preferred facility or claims center.
Repairing your vehicle
Minnesota law requires insurance companies to pay "the cost of a comparable auto, adjusted for mileage, condition and options in the local market place of the insured" (with all applicable taxes and license fees). Usually this is determined by checking internet sources such as Car Soup, cars.com, Auto Trader and the local newspaper. An insurance company can obtain a market survey of recent sales of comparable autos from a vendor.
If you disagree with your insurance company over the market value of your totaled vehicle, check with them about whether you can request the "appraisal process." Both you and the insurance company hire appraisers. If the two appraisers can't agree, they jointly hire an umpire to make the decision. You pay for your own appraiser and one-half of the umpire fee.