Skip to content

Prime Insurance Agency Blog

All You Ever Wanted to Know About Insurance

What to do When a Tornado Strikes while in the Car

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.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

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.


There are no comments yet.

Leave a Comment

Required fields are marked with


Your name, comment, and URL will appear on this page after it has been reviewed and approved. Your email address will not be published.