When you own a car, you're free to cruise the open roads wherever your heart desires. Before you get started, you'll want proper protection for all the what-ifs. Mississippi car insurance can help with coverage for storm damage if you pick the right policy.

Fortunately, a Mississippi independent insurance agent does all the work so that you don't have to. They have multiple carrier options, finding you the best coverage for a fair price. Connect with a local expert to get started in minutes. 

How Is Storm Damage Coverage under Car Insurance?

Mississippi storms can leave damage to your property and vehicles in a matter of moments. The right coverage is necessary to avoid a large financial loss. Take a look at how storm insurance can help:

• Storm insurance: Insurance for storm damage to your vehicle is added to each policy under comprehensive limits. Tornadoes, hurricanes, severe winds, lightning, and hail damage could all be insured under this coverage type.

Estimated overall losses due to natural disasters in the US in recent years, by type (in million US dollars)

If you're involved in a storm, it can cause a lot of damage that you may not be prepared to handle. It's essential to understand what you're up against and get proper coverage.  

Does Car Insurance Cover Storm Damage in Mississippi?

Coverage for a storm under your auto insurance will not be automatically included. In order to have the right insurance, you'll need to add comprehensive coverage to your car policy. Check out what your Mississippi comprehensive limits will cover for storm damage:

• Hail damage to your car
• Wind damage to your car
• Tornado damage to your car
• Lightning and fire damage to your car
• Hurricane damage to your car
• Other severe storm-related damage to your car

Am I Covered If I Am Injured in a Storm While Driving?

If you sustain injuries from a storm while driving, you'll have some protection under your optional medical payments coverage. It's important to get a limit that's high enough to pay for a substantial injury. 

Your medical insurance will apply to the rest of the loss once your limit is maxed out. If you're without health insurance, then you'll be responsible for any remaining medical expenses out of pocket. 

Are Personal Belongings inside My Car Covered in Mississippi?

When your vehicle sustains storm damage, belongings kept inside your car can be damaged too. If you're looking to replace or repair these items, you'll need to have comprehensive limits under your auto policy.

Frequency of private passenger comprehensive auto insurance claims for physical damage in the US in recent years

The number of losses related to comprehensive coverage makes it very useful to have. 

How to File a Claim for Storm Damage to Your Mississippi Car

Storm damage to your car in Mississippi can leave you at a loss, and it can be hard to know where to start. When a claim occurs, you may be in a state of shock and unsure what to do next. You'll want to do the following to file a car insurance claim when a loss occurs:

• Step 1: Get to a safe place.
• Step 2: Call your independent insurance agent to file a claim.
• Step 3: Get a replacement vehicle while your car is being repaired.
• Step 4: Set up a meeting with your assigned adjuster. 

How an Independent Insurance Agent Can Help in Mississippi

Your Mississippi car insurance can be tricky if you're not a licensed adviser. You'll be met with several coverages and premium options, making it confusing. Fortunately, a trusted professional can help you get the protection you need for storm damage. 

A Mississippi independent insurance agent will do the shopping for you through their network of carriers. They'll compare coverage and costs, so you don't have to. Connect with a local expert on TrustedChoice.com for instant savings.