Hailstorms can be a car owner’s worst nightmare. After such an event, one of the most pressing questions is this: Will insurance cover the hail damage repair? Let’s delve into the details.
- Comprehensive Car Insurance Is Key- Comprehensive coverage car insurance covers hail damage repair. Insurance will cover the costs when your vehicle is damaged from events beyond your control, such as hailstorms, theft, and vandalism.
- The Severity of Hail Damage- The intensity of a hailstorm can vary, and so can the damage. Minor storms might result in a few dents, but severe ones can break windows, create holes in the roof, or even damage the engine. In extreme cases, the cost for hail damage repair might exceed the car’s actual cash value, leading the insurance company to deem the vehicle a total loss.
- Making a Claim- If you have comprehensive coverage and your car suffers from hail damage, contact your insurance company promptly. The process might involve an insurance adjuster evaluating the damage to determine the repair costs. The insurance will cover the repairs if the repair costs are less than the car’s actual cash value, minus your deductible.
- Impact on Insurance Rates- A common concern is whether filing a hail damage claim will increase insurance premiums. Generally, hail damage claims are considered not-at-fault accidents, meaning they shouldn’t affect your rates. However, if you live in a hail-prone area, the cost of comprehensive coverage might increase due to the higher likelihood of weather-related claims.
Hail damage repair can cost you money, but having the right insurance coverage can provide peace of mind. At Crash Management Auto Body, our team of skilled auto body technicians is equipped to restore your vehicle to its pristine condition. Contact us today to schedule hail damage repairs.