{"id":11168,"date":"2026-11-11T10:40:27","date_gmt":"2026-11-11T16:40:27","guid":{"rendered":"https:\/\/www.aipflorida.com\/?p=11168"},"modified":"2026-11-11T10:40:27","modified_gmt":"2026-11-11T16:40:27","slug":"hurricane-season-and-your-car-what-comprehensive-coverage-really-protects","status":"publish","type":"post","link":"https:\/\/www.aipflorida.com\/es\/hurricane\/hurricane-season-and-your-car-what-comprehensive-coverage-really-protects\/","title":{"rendered":"Hurricane Season and Your Car: What Comprehensive Coverage Really Protects"},"content":{"rendered":"

Este artigo est\u00e1 dispon\u00edvel em portugu\u00eas logo abaixo.<\/b><\/p>\n

 <\/p>\n

Hurricane season in Florida runs from June 1 to November 30. Even in the last weeks, storms and flooding can happen. Many Brazilians are surprised to learn that the basic coverage required by law does not repair your own car after a storm.<\/span><\/p>\n

What Florida requires<\/b><\/h3>\n

The legal minimum is PIP (Personal Injury Protection) and PDL (Property Damage Liability). PIP helps with your medical costs. PDL pays for damage you cause to someone else’s property. Neither pays to repair your vehicle.<\/span><\/p>\n

What Comprehensive covers<\/b><\/h3>\n

Comprehensive (often called \u00abComp\u00bb) is optional coverage for damage not caused by a collision. Depending on your policy, it may include:<\/span><\/p>\n

    \n
  • Flood and water damage<\/li>\n
  • Wind and hail<\/li>\n
  • Falling trees and debris<\/li>\n
  • Theft and vandalism<\/li>\n<\/ul>\n

    If you have a car loan or lease, your lender will most likely require it.<\/span><\/p>\n

    Before the next storm<\/b><\/h3>\n
      \n
    • Check that Comprehensive is on your policy and review your deductible.<\/li>\n
    • Take photos of your car and save your policy number on your phone.<\/li>\n
    • Avoid parking under trees or in flood-prone areas.<\/li>\n
    • Know how to file a claim and who to call.<\/li>\n<\/ul>\n

      FAQ<\/b><\/h3>\n

      Does Collision cover flood damage?<\/b><\/p>\n

      Usually no. Flood is typically a Comprehensive claim.<\/span><\/p>\n

      Can I add coverage when a storm is approaching?<\/b><\/p>\n

      Insurers often restrict changes once a storm is forecast, so review your policy in advance.<\/span><\/p>\n

       <\/p>\n

      Temporada de furac\u00f5es e seu carro: o que a cobertura Comprehensive realmente protege<\/b><\/h2>\n

      A temporada de furac\u00f5es na Fl\u00f3rida vai de 1\u00ba de junho a 30 de novembro. Mesmo nas \u00faltimas semanas, tempestades e alagamentos podem acontecer. Muitos brasileiros se surpreendem ao descobrir que a cobertura b\u00e1sica exigida por lei n\u00e3o paga o conserto do seu pr\u00f3prio carro depois de uma tempestade.<\/span><\/p>\n

      O que a Fl\u00f3rida exige<\/b><\/h3>\n

      O m\u00ednimo legal \u00e9 PIP (Personal Injury Protection) e PDL (Property Damage Liability). O PIP ajuda com suas despesas m\u00e9dicas. O PDL paga danos que voc\u00ea causar \u00e0 propriedade de terceiros. Nenhum dos dois paga o reparo do seu ve\u00edculo.<\/span><\/p>\n

      O que a Comprehensive cobre<\/b><\/h3>\n

      A Comprehensive (ou \u00abComp\u00bb) \u00e9 uma cobertura opcional para danos que n\u00e3o v\u00eam de colis\u00e3o. Dependendo da ap\u00f3lice, pode incluir:<\/span><\/p>\n

        \n
      • Alagamento e danos por \u00e1gua<\/li>\n
      • Vento e granizo<\/li>\n
      • Queda de \u00e1rvores e destro\u00e7os<\/li>\n
      • Roubo e vandalismo<\/li>\n<\/ul>\n

        Se o carro \u00e9 financiado ou em leasing, a institui\u00e7\u00e3o financeira provavelmente vai exigir.<\/span><\/p>\n

        Antes da pr\u00f3xima tempestade<\/b><\/h3>\n
          \n
        • Confira se a Comprehensive est\u00e1 na ap\u00f3lice e revise a franquia (deductible).<\/li>\n
        • Tire fotos do carro e salve o n\u00famero da ap\u00f3lice no celular.<\/li>\n
        • Evite estacionar sob \u00e1rvores ou em \u00e1reas que alagam.<\/li>\n
        • Saiba como abrir um sinistro e para quem ligar.<\/li>\n<\/ul>\n

          Perguntas frequentes<\/b><\/h3>\n

          A Collision cobre alagamento?<\/b><\/p>\n

          Normalmente n\u00e3o. Alagamento costuma ser sinistro de Comprehensive.<\/span><\/p>\n

          Posso incluir cobertura quando uma tempestade est\u00e1 chegando?<\/b><\/p>\n

          As seguradoras geralmente restringem altera\u00e7\u00f5es quando h\u00e1 previs\u00e3o de tempestade, ent\u00e3o revise sua ap\u00f3lice com anteced\u00eancia.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

          Este artigo est\u00e1 dispon\u00edvel em portugu\u00eas logo abaixo.   Hurricane season in Florida runs from June 1 to November 30. […]<\/p>\n","protected":false},"author":421,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Temporada de furac\u00f5es e seu carro: o que a cobertura Comprehensive realmente protege","_seopress_titles_desc":"A temporada de furac\u00f5es vai at\u00e9 30 de novembro. Veja o que o seguro de carro cobre em caso de vento, alagamento e queda de \u00e1rvore na Fl\u00f3rida.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[16,11],"tags":[40,59,88,57,55,90,91,93,92,30,32,89,31,33,94,87],"class_list":["post-11168","post","type-post","status-publish","format-standard","hentry","category-auto","category-hurricane","tag-american-insurance-point","tag-cobertura-collision","tag-cobertura-comprehensive","tag-cobertura-pdl","tag-cobertura-pip","tag-danos-por-alagamento","tag-danos-por-tempestade","tag-franquia-de-seguro","tag-protecao-veicular","tag-seguro-auto","tag-seguro-automotivo-nos-eua","tag-seguro-contra-furacoes","tag-seguro-de-carro-na-florida","tag-seguro-para-brasileiros","tag-sinistro-de-seguro","tag-temporada-de-furacoes"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts\/11168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/users\/421"}],"replies":[{"embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/comments?post=11168"}],"version-history":[{"count":1,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts\/11168\/revisions"}],"predecessor-version":[{"id":11169,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts\/11168\/revisions\/11169"}],"wp:attachment":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/media?parent=11168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/categories?post=11168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/tags?post=11168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}