Do you have comprehensive coverage on your car insurance? If so, you may be covered for hail damage repairs. Comprehensive coverage is an important type of car insurance for those who want to ensure that their policy protects against damage from hail and other causes not related to accidents. Yes, your car insurance will cover the cost of hail damage repairs, as long as you have comprehensive coverage. Unfortunately, if you don't have comprehensive coverage, you'll almost certainly be responsible for covering costs on your own.
If you have comprehensive coverage, hail damage may be covered by your auto insurance policy after your deductible is paid, up to the limits of your policy. This type of coverage provides protection against damage to your vehicle from events beyond your control, including damage related to weather, theft and vandalism. If you don't have comprehensive coverage, your policy probably won't cover hail damage and you'll have to pay for any repairs out of pocket. Car insurance will provide protection against hail damage only if the driver has the right type of coverage. Drivers who only purchase the required car insurance will generally realize that hail damage isn't covered at all.
If your car was in the driveway or on the street during an unexpected hailstorm, you could easily become a victim. Hail can break a windshield, break a rearview mirror, or dent the body of your vehicle. Fortunately, hail damage to your car is likely to be covered if you have comprehensive car coverage. Hail storms happen across the country, leading many drivers to wonder if car insurance covers hail damage. Fortunately, most auto insurance policies cover hail damage if you've chosen to add comprehensive coverage. With it, you'll have cover against falling objects such as hail or tree branches that damage your car.
If you have a preferred body shop whose estimate is higher than that of insurance adjusters, consider connecting the shop with your insurance company. Contact your agent for information about hail coverage and how your insurance group handles deductibles. Cracked windows and windshields, dented roofs, hoods and sides, water damage inside the car, broken or missing side mirrors, and chipped paint are common damages often attributed to hail. Some insurers also don't increase rates after a comprehensive claim if it's below a certain dollar amount or if it meets specific damage standards. If your insurance company considers your vehicle to be a total loss, it will issue you a check for the actual cash value of your car, minus your deductible, instead of estimating repair costs. Some may reduce a check for the expected cost of repairs minus your comprehensive insurance deductible, while others may wait and reimburse you for work done in a body shop. For more information on how to file a storm-related claim on your car insurance, consult your American Family Insurance agent.
If your vehicle suffered bodily harm from a hailstorm, you'll want to take photos of the damage. And if you plan to resell the car in the future, you will receive a higher payment if you take care of repairs. By choosing to add comprehensive coverage, your policy can handle each of the different stages of hail damage. Even smaller hail can cause significant damage to a vehicle because it hits the entire vehicle and not just a localized area.