Natural disasters can strike with little warning, leaving behind a trail of damage and uncertainty. This was very evident during the recent Southern California fires. The aftermath of a hurricane, wildfire, or flood can be overwhelming for drivers, especially when their vehicles are affected. At Murvay Insurance, serving the greater Newport Beach, CA area, we understand how crucial it is to have reliable auto insurance that helps you recover quickly when a disaster strikes.

Comprehensive Coverage: Your Safety Net

Comprehensive coverage is one of the most important aspects of auto insurance during a natural disaster. Unlike basic liability or collision insurance, comprehensive coverage protects your vehicle from non-collision-related incidents, including floods, wildfires, hailstorms, and falling debris. If your car is damaged or even totaled due to a natural disaster, this coverage can help pay for repairs or replacement, easing the financial burden.

Rental Reimbursement and Temporary Transportation

Access to transportation is essential after a disaster. Suppose your vehicle is being repaired or deemed a total loss. In that case, some auto insurance policies include rental reimbursement coverage, ensuring you have a temporary vehicle while you decide on your next steps. This can be a lifesaver when getting back to work or handling other urgent matters following a catastrophe.

Filing a Claim and Getting Back on the Road

Navigating the claims process after a natural disaster can feel overwhelming, but having a trusted insurance provider makes all the difference. Quick response times and clear guidance ensure you get the support you need without unnecessary delays.

If you want to ensure your auto insurance is ready for the unexpected, Murvay Insurance in Newport Beach, CA, is here to help. Contact us today to review your policy and ensure you’re protected when it matters most.

One of the many things that you have to decide when you are renting a vehicle, whether for business or pleasure, is whether you want the insurance that the rental car company offers. At Murvay Insurance in Newport Beach, CA, we make sure that all of our customers have the right auto insurance for their needs and are in compliance with state regulations.

The answer to this question is maybe. It depends a great deal on the type of insurance that you have on your personal vehicle. If you have basic insurance, that is not going to be adequate, and the rental company won’t let you rent without adding protection for the vehicle. Basic insurance only provides liability coverage.

If you have full vehicle coverage, collision, and comprehensive coverage, then you will have the same coverage on a rental vehicle. As long as you are renting in the United States. If you rent a car in Europe, your American auto insurance won’t cover you there. You will need to buy the insurance that the company offers.

This is not necessarily a bad thing other than the cost. You won’t be penalized for getting in an accident or damaging a vehicle by your insurance company if you get coverage through the car rental company. You may also want to check with your credit card company to see if car rental coverage is one of your perks. It is a common benefit with many cards.

You may also be asked if you want theft insurance for your property in your vehicle, but your rental, condo, or home insurance covers these types of theft.

Call our office at Murvay Insurance in Newport Beach, CA when you have questions about auto insurance.