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What You Should Know About Insurance Coverage for Hail Damage to Your Car

An unexpected hail storm can leave your car with dozens of dents, broken glass and even water damage to the interior. Because hail damage can be expensive to repair, it is important to understand how your insurance coverage works.

Your Insurance Might Cover the Damage

If you have comprehensive coverage on your vehicle, insurance should pay for hail damage repair Denver CO. Comprehensive coverage pays for damage caused by storms, animals and falling objects. If you have this coverage, report the claim to your insurance company as soon as possible. If you only have liability or collision coverage on your vehicle, hail damage will not be covered.

You Will Probably Have a Deductible

Comprehensive coverage usually has a deductible, which is an amount that you must pay before your insurance kicks in. Many auto owners elect for higher deductibles because it results in lower insurance premiums; however, if you live in an area with frequent storm damage, it may be worthwhile to choose a lower deductible

Some insurance companies waive the deductible on glass claims. If your car only has glass damage, then you maybe be able to get the damage repaired without paying a deductible. If frequent glass damage is an issue for you because of road debris or storm damage, you may want to ask your insurance company if it offers full glass coverage that does not have a deductible. 

Some Damage May Be Too Expensive To Repair

In most cases, when you file a claim for hail damage, the insurance company will get an estimate from a body shop and then pay either you or the shop for the repair costs. However, if the estimated cost of repairs exceeds the value of your car, your insurance company may pay you the actual cash value of the car instead. 

You Can Protect Your Car From Hail Damage

If hailstorms are a frequent problem in your area, you should take steps to prevent hail damage. Park your car in a covered area as often as possible. When you must park your car in the open, cover it with a padded car cover. If you are driving during a hailstorm, seek a covered area, such as under an overpass or a gas station as soon as possible.

Hail can cause severe damage to an unprotected vehicle. However, there are steps you can take to reduce your risk, such as using a padded car cover and purchasing comprehensive insurance to cover the repair costs.