Yes, auto insurance does cover lightning strike damage — but only if you have comprehensive coverage. Comprehensive insurance protects your vehicle from non-collision events such as weather disasters, vandalism, theft, and yes, lightning. If a lightning strike damages your car’s electrical system, blows out the tires, or causes a fire, your insurer will cover the loss minus your deductible.
If you only carry liability insurance, lightning damage is not covered. Liability only pays for injuries or property damage you cause to others, not damage to your own vehicle. To be protected from lightning and other natural disasters, comprehensive coverage is essential.
If you’re not sure what your policy includes, call Insure on the Spot at 773-202-5060 to review your coverage.
Will My Insurance Cover Damage From a Lightning Strike?
Comprehensive coverage is what protects your vehicle from lightning strikes. This type of insurance will cover repair costs or a full replacement if the strike totals the car. Most drivers with financed or leased vehicles already carry comprehensive coverage, as lenders typically require it.
If you only have liability or collision coverage, you won’t be protected from lightning damage. Collision applies to crashes, and liability applies to third-party injuries or property. Acts of nature — including lightning — fall squarely under comprehensive insurance.
Does Liability-Only Insurance Cover Lightning Strikes?
No, liability-only insurance does not cover lightning damage to your car. It’s the state-required minimum and is designed to protect others, not your own vehicle. If lightning fries your car’s electronics or damages the body, a liability-only policy will leave you paying the repair bill out of pocket.
Comprehensive coverage is surprisingly affordable compared to collision coverage. For just a small additional monthly premium, you can gain protection against weather-related risks like hail, floods, and lightning. It’s a smart investment, especially if replacing your car would be financially difficult.
What Happens If Lightning Strikes My Car?
A lightning strike can damage your vehicle’s electrical system, tires, and body panels. It may destroy the battery, alternator, or onboard computers, leaving the car inoperable. In some cases, the charge exits through the wheels and can rupture the tires.
Your vehicle may also show scorch marks, cracked windshields, or burned antennas. If the damage is extensive, your insurer may declare the car a total loss and pay out its actual cash value. Always have your vehicle inspected after a lightning strike to uncover any hidden issues.
How Do I File a Claim for Lightning Damage?
If your car is struck, document the damage immediately with photos and write down when and where it occurred. Then contact your insurance company to file a comprehensive claim. The insurer may send an adjuster or direct you to a repair shop for evaluation.
Be sure to protect the car from further damage while waiting. Cover any broken windows and avoid driving it if the electrical system is unstable. After the claim is approved, your insurer will pay for repairs or a replacement minus your deductible.
What If I’m Driving During a Lightning Storm?
If you’re caught in a lightning storm while driving, find a safe place to pull over. Stay inside the vehicle with the windows up and avoid touching metal components or electronics. Your car’s metal frame acts as a Faraday cage, helping shield occupants from electrical surges.
Once the storm passes, check for damage. If your car was struck and shows signs of electrical failure, contact your insurer and arrange for a professional inspection. Don’t drive the vehicle if it seems unsafe or unresponsive.
Frequently Asked Questions About Lightning and Auto Insurance
Q: Does auto insurance cover lightning strikes?
A: Yes, but only if you have comprehensive coverage. This part of your policy pays for weather-related damage, including lightning.
Q: Will liability insurance pay if my car is struck by lightning?
A: No. Liability insurance only covers damage you cause to others, not your own vehicle.
Q: What should I do if lightning hits my car?
A: Stay inside the vehicle until the storm passes. Then document the damage and contact your insurer to file a comprehensive claim.
Q: Can a lightning strike total my car?
A: Yes. If the cost to repair the damage exceeds your car’s value, your insurer may declare it a total loss and pay you its actual cash value.
Q: Are people safe inside a car during a lightning strike?
A: Generally, yes. The car’s metal frame redirects the lightning around the occupants. Just avoid touching metal parts inside during the storm.
Q: How common is it for lightning to strike a car?
A: It’s rare, but it does happen — especially in open areas during strong thunderstorms. That’s why having comprehensive insurance matters.
Q: Will a lightning strike claim raise my insurance rates?
A: Usually not. Comprehensive claims typically don’t result in significant rate increases since they’re considered no-fault.
Your Trusted Auto Insurer
At Insure on the Spot, we help drivers in Chicago and throughout Illinois stay protected — rain or shine. If you’re unsure whether your auto policy includes comprehensive coverage or want to explore your options, give us a call.
Reach us at 773-202-5060 for help reviewing your coverage or getting a free quote. We’ll make sure you’re ready for anything, including unexpected lightning strikes.