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Is Hail Damage to My Car Covered?

After the Storm


Hail on Car
Getty Images/Willowpix

The one sure thing about weather is it is always unpredictable. Severe storms can wreak havoc on your house, car, and city. A car can easily be pummeled with dents due to hail damage. The cost to repair hail damage can be shocking because the damage is commonly widespread throughout the entire vehicle. Good new is, it's possible your hail damaged car could be covered under your car insurance.

Do I Have Hail Damage Coverage?

If you purchased PLPD only on your car insurance policy, you will not be covered for a hail damage claim. Both hail and storm damage is covered on car insurance policies which have listed comprehensive coverage on the damaged vehicle. Comprehensive coverage needs to be purchased before damage occurs.

Will I Have to Pay a Deductible for Hail Damage?

Deductibles are determined at the time you purchase car insurance on your vehicle. Many insurance companies require a deductible on comprehensive, but sometimes a zero deductible can be offered at an additional cost. If you have hail damage and a deductible on comprehensive coverage, you will need to pay your deductible at the time you get your vehicle repaired. Regardless of your deductible amount, it is almost certain the cost to repair your hail damaged vehicle will exceed your deductible.

Can Hail Damage Total My Car?

To put it simply, yes your car can be totaled by hail damage. The damage can be extensive and depending on the current value of your vehicle it may not be worth fixing. An insurance adjuster will be able to verify whether or not repairs will be made to your vehicle.

Hail damage can be frustrating to deal with. Often people feel the situation may have been unavoidable and don’t feel as though they should have to pay for repairs or a deductible. Storm damage is one of those unexpected life surprises everyone has to deal with from time to time. Hopefully if you are caught in a storm, you had the foresight to purchase comprehensive coverage on your vehicles if you are not equipped to self-insure.

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