A Home-Auto Insurance Special Alert

Ask those in the know and they will tell you that the best place to wait out a tornado’s wrath is to find shelter in a basement or storm cellar. But what happens if you are in middle of driving when a tornado hits?

Chances of surviving the ordeal are greater if you park and run to a close ditch, then lay low and shield your head and neck from flying debris with your hands until the tornado passes.

In the event there is no trench-like terrain, park off the highway. If this is not possible, park off the side. Then, stay within car and do the following:

• Fasten the seatbelt around you securely.
  
• Drop as low as you can so that your head is beneath the vehicle windows.
  
• Wrap a blanket or your arms around your face and head for protection against the possibility of flying debris shattering your windows.
  
• Do not sit in a car that is parked under an overpass. Wind speed may increase in this spot, raising the danger level significantly.
  
• Wait it out until the tornado has passed and it is safe to drive or exit your car.
  

While tornadoes are usually covered to some extent under a standard Homeowners insurance plan, this is not the case with collision auto insurance comprised solely of liability coverage. To protect against tornado damage, car owners need a comprehensive policy.

For more about tornado coverage, speak to an experienced independent agent that has your best interest in mind.

Summary: It’s one of the worst nightmares: a deadly tornado begins just as you are driving in your car. Here are the survival tips by the home and auto insurance professionals.