Does car insurance cover hail damage?

If your vehicle has been damaged by hail, you’re probably asking yourself, does car insurance cover hail damage? Should I claim hail damage on my car? How much hail damage does it take to total a vehicle?

How much are average car insurance rates for hail damage? Can you get a better rate for hail damage coverage if you compare car insurance rates?  How much does insurance pay for hail damage on the roof? What is the best car insurance company for hail damage?

Read this article for answers to all your car insurance for hail damage questions.

If you’re ready to start shopping for affordable car insurance for hail damage, use your ZIP code in the tool on this page to get your first free quote today.

Is hail damage covered by car insurance?

Hail damage can be minor, only leaving paint chips on your vehicle, or it can be quite severe and include broken windows, significant damage to the frame, water damage, and more.

Coverage for damages that result from something other than collision, like hail damage, is included under comprehensive coverage.

Hail damage is typically included in comprehensive coverage, but if you’re concerned, it’s always a good idea to speak with your insurance company to find out what specifically is included in your policy.

How much does car insurance for hail damage cost?

The National Association of Insurance Commissioners reports an average of $12 per month for comprehensive coverage (which you’ll be paying on top of the rate for your liability coverage and whatever other car insurance is on your policy).

Take a look at this table for average rates for comprehensive, collision, and liability to better understand what you may be paying.

Average National Car Insurance Rates: Collision, Comprehensive, and Liability

Be prepared for a possible rate increase if you do file a claim for hail damage. Depending on how much repair estimates for the hail damage repairs, it may make more sense to cover the cost out-of-pocket, given the potential rate increase.

This is doubly true when you consider your deductible on your auto insurance policy. If the cost of repairs is less than, equal to, or only slightly more than your deductible, it’s probably not worth filing an insurance claim for light hail damage; paying out-of-pocket may make more financial sense.

Case Studies: Car Insurance Coverage for Hail Damage

Case Study 1: Reliable Insurance Company

Ms. Johnson, a resident of Texas, experienced a severe hailstorm that left her car with extensive damage. She had comprehensive coverage from Reliable Insurance Company, a well-known and reputable provider. Ms. Johnson promptly reported the hail damage to her insurer and provided all the necessary documentation, including photos and a detailed description of the incident.

The insurer assessed the damage and approved her claim, covering the cost of repairs minus the deductible.

Case Study 2: Shield Insurance Group

Mr. Anderson, insured by Shield Insurance Group, filed a claim for hail damage after his vehicle suffered significant harm during a hailstorm in Nebraska. The insurer promptly sent an adjuster to assess the damage and estimate the repair costs. 

After verifying the claim and determining the damage was indeed caused by hail, Shield Insurance Group approved the claim and covered the necessary repairs as per Mr. Anderson’s policy terms.

Case Study 3: CoverageNow Insurance

In a recent hailstorm event in Colorado, Ms. Martinez’s car suffered severe hail damage. Fortunately, she had comprehensive coverage with CoverageNow Insurance, a leading insurance provider in the region. Ms. Martinez promptly contacted her insurer, provided all the required information, and submitted the necessary documentation, including photos of the hail damage.

CoverageNow Insurance assigned an appraiser to assess the extent of the damage. Upon verification, the insurer approved the claim and covered the repair costs after deducting the applicable deductible.

Case Study 4: Premier Auto Assurance

During a powerful hailstorm in Oklahoma, Mr. Davis’s vehicle endured substantial damage. Mr. Davis was insured by Premier Auto Assurance, a well-established insurance company with a comprehensive policy. He immediately reported the hail damage to his insurer and submitted the required documents, such as photographs and a detailed incident report.

Premier Auto Assurance promptly assigned an adjuster to assess the vehicle’s condition and estimate the repair costs. Upon verification, the insurer approved Mr. Davis’s claim and provided coverage for the necessary repairs, considering his deductible.

Case Study 5: SecureDrive Insurance

Ms. Thompson’s car suffered severe hail damage in Kansas, including shattered windows and dented panels. Luckily, she had coverage with SecureDrive Insurance. She promptly contacted her insurer, submitted evidence like photographs and a detailed incident description, and began the claims process.

SecureDrive Insurance reviewed the claim and promptly approved it, covering the cost of repairs after accounting for the deductible.

Does car insurance cover hail damage?: The Bottom Line

Hail damage is usually covered by comprehensive coverage, which can cost an average of $148 per month. Depending on the cost of repairs and your deductible, it may make more sense to pay for the damage out-of-pocket rather than filing a hail damage claim with your insurance company.

One way to protect your vehicle from hail damage beyond buying comprehensive coverage is parking it in covered parking (like a garage) whenever possible. To get affordable coverage, you should comparison shop using multiple car insurance quotes for hail damage.

Now that you’ve finished this article, are you ready to buy car insurance for hail damage? Enter your ZIP code in our tool to get a free quote and start comparison shopping right now.

Frequently Asked Questions: Does car insurance cover hail damage?

If you’re still looking for information on car insurance and hail damage, read through these frequently asked questions for more.

#1 – Does hail damage decrease the value of your vehicle, even after it’s repaired?

It depends on the level of damage and how well it is repaired. If the damage is repairable such that it was like it never happened (which is possible for dents if certain repair methods are used), it won’t affect the value of your vehicle.

However, if you don’t repair the damage, or the repair still leaves traces of the damage, this could affect the resale value of your vehicle.

#2 – What is covered by liability insurance?

Liability insurance covers the cost of damages and injuries for other drivers when you’re in an at-fault accident. This coverage is required in most states as a condition for driving legally.

#3 – Can you get hail damage coverage for your home?

If you have home insurance, it will most likely include protection for structural damage, including hail damage.