Weather in this area can be crazy sometimes. Snow one day and sunny skies the next. Sixty degrees today and twenty degrees tomorrow.
The weatherperson on the news will try and predict the weather but we’ve all seen how sometimes no one can, even the professionals.
One type of weather incident that can sneak up on people is hailstorms.
A hailstorm can quickly come out of nowhere and cause a lot of damage to your vehicle.
If your car is parked outside during a bad hailstorm, you might just come outside afterward and discover a lot of dents on your car.
That will leave you wondering: Is hail damage covered by my car insurance?
Does car insurance cover hail damage?
It depends. If you carry the right type of car insurance coverage, your hail damage should be covered by your policy.
When you purchase comprehensive coverage on your vehicle, hail and storm damage to your car should be covered. Comprehensive auto insurance will protect you against theft, vandalism, and even hitting a deer, so purchasing “full” coverage could save you a lot of money down the line.
If you have basic liability only coverage, your hail damage will not be covered.
Hail damage to your car
The cost for repairing damage from hail to your car can sometimes surprise you. This is because the hail damage is usually spread across the entire vehicle: your roof, trunk, hood, and even side panels. That can create a lot of dents to remove.
Hopefully, you will have comprehensive insurance to help cover these costs.
It might seem like just a few dents, but hail damage can really affect the resale value of your car. It will be worth going through the dent removal process to get them taken out. If the damage is really bad, it might even require some auto body work or auto painting.
Your deductible is determined when you purchase car insurance on your vehicle. Most insurance companies require a deductible on comprehensive insurance, but sometimes a zero deductible plan is available.
If you have a deductible on your comprehensive coverage, you will need to pay this amount at the time you have your vehicle repaired. The cost to repair your hail damage will almost always exceed your deductible.
Can my car be “totaled” by hail damage?
Yes, it is possible if your car is old enough and the damage is bad enough, that hail could total your car for insurance purposes.
This would be most likely if you are driving an older vehicle. The insurance adjuster might decide that the cost of repairs is not worth repairing compared to the resale value of your car.
Fixing hail damage to your car
If your car has sustained hail damage, call your insurance agent right away. They will tell you the next steps you need to take and advise you how to file. You may be able to file the claim right there on the phone.
Make sure you take photos so that you have evidence of the damage for both your insurance company and your own records.
You will likely have to fill out a claim form. Your agent will advise you on when to seek a repair estimate.
Does filing a hail damage claim raise my insurance cost?
Hail damage is an “Act of God” that should not affect your insurance premiums.
We’re here to help
Not only will Probst Collision repair any hail damage to your car, but we are also happy to help you with handling your insurance claims. We want to help you get your car back like new as soon as possible.
Need an auto body repair shop you can trust?
Probst Collision is the top auto body repair shop in New Lenox, IL. We provide collision repair, dent removal, mechanical repair, airbag replacement, and auto body painting in the local area to customers from New Lenox, Joliet, Mokena, Frankfort, Manhattan and other southwest Chicagoland cities. Contact us or get an online estimate.