Does Car Insurance Cover Hail Damage?
Does car insurance cover hail damage? This is an important question to answer because of how it can cost you a bundle to repair a damaged vehicle if it’s covered by your auto insurance. In fact, hail can often be more costly to repair than a more severe storm like a tornado because they usually don’t have to go very high to impact a car. However, you need to check with your auto insurance agent to make sure that hail damage is covered. It’s also smart to know the types of damages that are covered and the costs that are associated with them.
Hail damage is actually one of the least common claims on homeowner’s insurance, account for about 70 percent of all insured home losses. Those losses alone reached a staggering $10.1 billion dollars as of 2020. Fortunately, most policies now cover more than just structural damage from perils like hail, which includes coverage for the roof, garage, windows, appliances, roof, or the deck, as well as personal property (stuff like furniture and electronics). When you are talking about comprehensive coverage, however, this term typically refers to any damage incurred in a single incident. So, in terms of a hail storm, your insurance should cover any damage to your vehicle that was made during the hail event, regardless of whether it was caused by wind, ice, rain, or snow. The only exception to this would be if the hail did not break the windshield or if it resulted in a less severe storm.
In terms of what does car insurance cover when it comes to hail damage, your policy should cover the majority of it. Of course, it’s smart to get an umbrella policy, which covers damage regardless of whether it is caused by hail, wind, rain, sleet, snow, etc. But, even with comprehensive coverage, you may be out of pocket if your property gets covered too much. You need to assess the extent of the damage, and determine whether you need to get coverage for any areas that were severely damaged or if there is a smaller amount of damage. If you live in an area that is prone to hailstorms, you should get a hail protection policy.
Hail damage, if severe, can be covered under a comprehensive policy, but it depends on what is covered and how much is covered. Most car insurance companies include hail in their comprehensive policies. Comprehensive coverage is designed to pay for damage to your car that is not caused by an accident, theft, vandalism, or act of nature. Therefore, if you own an older vehicle that has a high theft rate, it may not be covered under a comprehensive policy. Be sure to check your policy!
Damage from storms may include damage to the hood, trunk, interior of the vehicle, and paint and glass. Hail can also cause roof leaks, dents in the hood, and cracked windshields. In many cases, hail is the main factor behind the leaks. Therefore, if your car has hail damage and no evidence of an accident, you should probably contact your insurance company to see if they can replace the panels. Even minor dents can be covered under some plans.
Another reason that comprehensive coverage is important when you get a quote for your next policy is because of collision. Collisions are defined as damage to the entire vehicle. Therefore, comprehensive coverage will help pay for repairs to your vehicle, regardless of who is at fault in the collision. You may have heard that you can not have collision and both parties must suffer. This is usually not true, but you should definitely consult with your agent to make sure that your plan covers both parties.
If your windshield was hit by hail, this could also qualify for full or partial liability coverage. However, you may need to have uninsured/underinsured motorists coverage to make up the difference. Sometimes, the best thing to do is to consult an expert before you decide on your coverage. Your insurance agent can explain your options and give you the advice that is best for you. You can use this advice in choosing the type of claim that you want to file, the deductible that you should set, the amount of money that you need to spend on repair and replacement, and the deductible.
It is not uncommon for someone who has incurred serious damage to their vehicle to file a claim with their auto insurance company after severe weather. Usually, the auto insurance adjuster will meet with the claimant’s agent and prepare the necessary documents for the settlement. The adjuster will then make a determination about who pays for the claim and send the documents to the claimant’s agent who will pay the money on the claim.