Paul Todd

Start by documenting the vehicle damage: note where and when it happened, take clear photos, then contact your insurance company promptly for guidance.
Your insurer may send an adjuster to estimate repairs, but a repair expert says the first estimate may not cover final costs.
If an estimate comes in at $3.5K, a shop may find a $7.5K claim after reviewing damage in detail and supporting a supplement.
Review your policy before assuming coverage: collision does not cover that natural disaster damage, while comprehensive coverage is required for this claim type.
If repairs are not required and you accept payment without fixing the vehicle, future claims for added damage may be unavailable later.

Natural Disaster Claims: Smart First Steps

Convertible term life lets policyholders move into permanent coverage without a new medical exam or other evidence of insurability during an eligible conversion period.
If no conversion happens, a nonrenewable term policy ends at expiration; permanent options may include whole, universal, or variable life coverage types.
Conversion can help when health changes make new coverage harder, or when cash value and updated death-benefit conditions matter for loved ones.
Trade-off: premiums may become 5 to 15 times higher based on conversion age, with less rider or coverage flexibility than buying new.
Some insurers allow partial conversion, and related choices include renewable term, accidental death coverage, or long-term care protection for different needs and preferences.