My vehicle is paid off and I only have a liability insurance in Cincinnati, OH. What if a tornado hits and damages my vehicle, Will my insurance cover any damages? Thank you

Jennifer

Cincinnati, OH

Unfortunately no, your liability only auto insurance coverage in Cincinnati, OH will not cover your car if it is damaged from a tornado.

Liability coverages as part of your car insurance only covers those that you may damage; this type of coverage provides no coverage to your car in any way. Bodily injury and Property Damage liability coverages are the minimum types of coverages that the state require.

With only liability insurance you don’t have any coverages that will protect your car, only those that you may harm when you are driving your vehicle. So your auto insurance carrier would not be able to accept a car insurance claim to repair your car after a tornado caused damage to it.

Always remember that if a tornado is on the way and your state is already under a storm warning then insurance carriers will not offer physical damage coverages to be bought during that time. If you want to have comprehensive on your car you will need to do so before the hurricane is approaching and your area in Cincinnati, Ohio is under a warning.