Hail does not happen too often but when it does it can wreak havoc on your car. Getting hail damage repaired can really add up because it causes so many small indentations all over your car. Based on the coverage type you’ve hail may or might not be covered by your insurance company. There’s nobody at fault in the instance of hail, therefore it doesn’t matter if you reside in a no fault state. There are two answers to this question if hail is covered by your insurance.
Comprehensive Coverage – If you have comprehensive coverage hail damage will usually be covered. You will want to consult your supplier because each company has different stipulations regarding what they do and don’t cover. With comprehensive coverage hail is usually listed as an example that’s covered. You’ll still have to pay your deductible on this claim, so if the damage estimate is less than your deductible, you’ll have to cover it all yourself. If it was a massive hailstorm, and the damage was extensive, you will have to file a claim to get the difference covered by your insurance provider.
Basic Coverage – If you have basic collision coverage you are going to have to handle the hail repairs out-of-pocket, as this is something that is usually not covered by these plans. You could attempt to make the case that the hail is colliding with your car, but there are clauses in place that specifically state that things like hail, missiles, Centurian Services, falling trees, and anything else that isn’t a collision between cars.
Hail is one of the unfortunate act of God kind things that happens from time to time. If it doesn’t happen a lot on your area you probably won’t have to cover the extra cost for comprehensive coverage. If you reside in a area of the nation that gets more than its fair share, you should look into the different options you need to protect yourself against excessive repairs. There may be a cafeteria style way to find hail covered on your policy without having to go all out on comprehensive.
When it comes to auto insurance you will want to compare different companies to see which ones cover which damage. They are all in competition with one another and you may have the ability to play them off of one another. If you let a company know that you’re picking between them and another provider, they might throw in hail damage as a way to earn your business. You have to be smart and do what you can to get the best insurance at the best rates.