Preparing for Hurricane and Hail Season: Why Auto Insurance Matters in Coastal Texas

Living along the Texas coast means enjoying beautiful beaches and ocean breezes, but it also means preparing for hurricane and hail season each year. Storms can bring high winds, flooding and hail, all of which pose serious risks to your vehicle. The right auto insurance coverage is critical to protecting your investment when severe weather strikes.

How Auto Insurance Protects Your Vehicle During Storm Season

In Texas, basic liability insurance is required by law, but it only covers damage you cause to others, not damage to your own vehicle. You need comprehensive coverage to help protect your car from hurricane and hail damage.

Comprehensive auto insurance may help cover the following:

• Hail damage—Hail can cause dents, shattered windows and paint damage.
• Wind damage—Flying debris during hurricanes can badly damage vehicles.
• Flood damage—Rising waters can destroy a car’s interior, electrical systems and engine.
• Fallen trees and debris—If a storm brings down a tree onto your vehicle, comprehensive coverage helps pay for repairs or replacement.

In coastal Texas, insurance companies may place restrictions on purchasing or changing coverage once a hurricane warning is issued. Review your deductible for storm-related auto claims. While most auto policies have a single comprehensive deductible, some may apply special terms for hurricane or flood events—especially in high-risk areas.

Be Prepared With the Right Auto Insurance

Storms can come quickly and leave costly damage behind. Don’t wait for a weather alert to find out you’re underinsured. Randy Russell Insurance is here to help coastal Texas drivers review their auto insurance and get the right protection in place. Contact us today for a personalized policy review and get peace of mind before hurricane and hail season hits.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.