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Does Car Insurance Cover Hail Damage?

With changing seasons come changing weather. Warmer months bring more storm systems. More storm systems create more severe weather which could impact your belongings such as your vehicle. It is important to ensure that your car is covered by damages that may occur due to severe weather threats such as hail. 

What Types of Car Insurance Cover Hail Damages?

Comprehensive auto insurance will protect your vehicle from any damage that occurs due to hail. It is important to note that a deductible will be needed before any coverage is given though. This depends on your specific insurance policy’s terms. 

However, liability insurance alone will not cover damage to your vehicle from hail. With this in mind, the extra cost can be well worth it if you live in an area that is prone to severe storms. The extra couple of hundred dollars is less than the thousands of dollars you would have to pay out of pocket. 

Filing a Claim for Hail Damage

You need to think hard about whether or not to file a claim after a hail storm. If there is only minor damage, the costs to repair may be less than the costs of your deductible for instance. When you file a claim, you face a risk of your premium increasing in price. 

If you decide to file a claim, you will simply file it the same way you would for any other claim. Contact your insurance agent as soon as possible in order to get the claim process started as soon as possible. When everything has been assessed and approved, you will receive the check fro the damages. 

Highest Risks for Hail Damage

As mentioned, if you live in an area that is more likely to get severe weather, you are more likely to get hail damage. The Midwest and Southern states such as Texas are more likely to have the most severe storms, so these are places in which you should seriously consider comprehensive auto insurance. This will save you significant money in the long run when your car is stuck in the middle of a hail storm. 

Preventing Car Damage from Hail

There are certain steps that can be taken to either prevent hail damage to your vehicle or to limit the damage that occurs. You could park your vehicle under a carport or in the garage when you are at home if you have one available, for instance. If you do not have one available, you could put a protective cover over your vehicle. 

This protective cover is mobile as well. This means that if you are driving during a hail storm, simply pull over and place it over your vehicle. Always be aware of the weather as well so you know when to take these precautions. 

Final Thoughts

 Hail damage can prove to offer some significant costs to you personally if you do not have comprehensive car insurance. It is important to consider comprehensive coverage in order to limit the costs of future hail damage repair. 

Updated on March 29, 2020

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