Fort Payne sits right in the middle of some of the worst tornado activity in the Southeast. And just in DeKalb County, 120 tornadoes have been recorded in the last 75+ years. And our area carries the "Very High Risk" classification for tornado damage. These stats should affect how Fort Payne drivers think about auto insurance decisions.

Fort Payne and Tornado Season

During tornado season, Fort Payne, Alabama, just expects to get hit hard. The Super Outbreak in 2011 killed 35 people in our county. That’s when an E5 tore through with 200 MPH winds. Vehicles were flipped. Tossed across roads like they were toy cars.

Destruction like that isn’t going to spare what you’ve got parked in your driveway. A car sitting in a lot or alongside a street can take a direct hit when a tree falls or from airborne debris. It happens fast. And it happens here all the time.

Liability Auto Insurance Doesn’t Cover You if Your Car Takes a Hit

Alabama requires that all drivers have minimum liability coverage. Liability pays the other driver if you or your vehicle damages them or theirs. But it does nothing for you if your car is damaged or destroyed.

So if a tornado drops a tree on top of your car or sends some debris through your windshield, your liability-only policy isn’t going to respond. If you’ve got gaps in your coverage, an agent at Attain Insurance can help you figure out your next steps.

Why It May Be Worth It to Have Comprehensive Auto Insurance

Comprehensive auto insurance is a policy that kicks in if a tornado finds your vehicle. It covers things like this:

• Hail
• Flooding
• Wind
• Flying debris
• Total loss if a tree falls on your vehicle

If you don’t have comprehensive coverage, you’re going to be paying for repairs or replacement out of pocket. Spring storms in Fort Payne, AL, are a fact of life here. Gambling without comprehensive insurance is a bet most people are going to eventually lose.

Being Prepared Before Storm Season

One of the best decisions you can make is having comprehensive auto insurance before storm season ever starts. Get in touch with Attain Insurance today. We’ll go over your policy with you. And we’ll make sure you’ve got the coverage you need.