Elizabeth, NJ Car InsuranceHail, flood and your car in Elizabeth
Hail is a car problem here too
Union County recorded 2 hail events of one inch or larger in the last 10 years, the largest measuring 1.25 inches. Hail that size dents panels and breaks glass on a parked car.
Hail damage to a car is paid by comprehensive coverage, not collision and not liability. A liability-only policy pays nothing toward it. The comprehensive deductible is the number to choose with hail in mind.
Source: NOAA Storm Events Database, Union County, through 2025.
Flooded cars are covered — homes are not
FEMA's maps for the Elizabeth area include these high-risk flood zones: Zone AE, Zone A, Zone AH.
For a house, flood needs a separate policy. For a car it is different: flood damage is covered by comprehensive, the same coverage that pays for hail.
Source: FEMA National Flood Hazard Layer.