In recent years, climate change has increased the frequency and intensity of storms, leading to rising costs for insurance companies and policyholders alike. Storms, exceptionally severe weather events such as hurricanes, floods, hailstorms, and tornadoes, pose a significant risk to vehicles. Consequently, insurance companies are adjusting their premiums to account for the growing number of claims arising from storm-related damages. This trend is especially evident in regions prone to extreme weather events, but its effects are felt nationwide. Storm Damage and Vehicle Risk Vehicles are vulnerable to various types of storm-related damage. Heavy winds and flooding can result in total vehicle losses, while hailstorms can leave cars covered in dents,…