Is Hail Damage to My Vehicle Covered by Insurance?

The largest hailstone in U.S. history fell on July 23, 2010, weighing 1.94 lbs. and measuring eight inches in diameter. This record-breaking stone is preserved at the National Center for Atmospheric Research in Boulder, Colorado.

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Colorado's hail season spans from mid-April to mid-September. The state’s Front Range, located in "hail alley," experiences more large hailstorms than any other area in North America. Denver’s metro area has endured some of the most expensive hailstorms in Colorado's history. Each year, Colorado sees three to four catastrophic hailstorms, resulting in at least $25 million in insurance damage claims.

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While insurance coverage for hail damage isn’t mandatory, it is highly recommended. Keep reading to learn whether your policy covers auto hail damage and how to navigate the claims process.

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Liability Only Policy

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Liability insurance is required by state law and covers the other driver’s medical bills and property damage in an accident where you’re at fault. However, liability coverage does not protect your vehicle from hail damage or other non-collision incidents.

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If you only carry liability insurance, hail damage to your vehicle won’t be covered. Comprehensive coverage, which includes protection from extreme weather, is recommended in hail-prone areas like Colorado. Insurance companies often suggest adding comprehensive coverage if your vehicle is worth more than $3,000 or is less than ten years old.

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Comprehensive Coverage

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Comprehensive coverage, while increasing your premium, is a valuable investment. Many lenders require it for financed or leased vehicles. If you have full coverage, comprehensive protection is usually included alongside collision coverage.

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Review your policy declarations to confirm storm damage is covered. If it isn’t, consider adding it as soon as possible. Be aware that insurance companies may place holds on policy changes when severe weather is forecasted, preventing immediate upgrades.

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Comprehensive insurance also covers vandalism, falling debris, collisions with animals, and theft. The premium cost varies depending on your selected deductible. Higher deductibles reduce your monthly premium but increase out-of-pocket expenses for repairs. Deductibles typically range from $50 to $2,000 per claim.

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To compare costs, you can get a free online insurance quote. The added expense of comprehensive coverage often pays off with just one hail damage claim.

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Filing Hail Damage Insurance Claims

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After a hailstorm, follow these steps for filing an insurance claim and expediting the repair process:

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• Assess your vehicle’s damage.
• Take photos and videos documenting the damage.
• Check for interior damage if glass is broken.
• Photograph any interior damage.

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Verify your policy includes comprehensive or natural disaster coverage, then contact your insurer to begin the claims process. An adjuster may inspect your vehicle or request photo evidence. Once approved, you can schedule repairs.

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While your insurer may recommend a repair facility, you’re not obligated to use their choice. For faster service, consider a specialized company like 48-Hour Auto Hail Repair. We offer detailed 1-hour custom estimates and work directly with your insurer to streamline the claim and repair process.

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Can Hail Total a Vehicle?

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Severe hailstorms can cause extensive damage, potentially totaling a vehicle. This happens when repair costs exceed the vehicle’s value. In such cases, insurers issue a check for the car’s cash value minus the deductible.

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Will a Claim Raise Insurance Premiums?

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Insurance companies have different policies for evaluating claims and adjusting premiums. Some may increase rates after a single claim, while others allow multiple claims before raising premiums.

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Prevent hail damage by parking in a garage or covered spot. If parking outdoors, consider using blankets or investing in a hail protector system. These portable, remote-controlled systems effectively shield vehicles from hail damage, even in high winds. While protective measures help, having comprehensive insurance ensures easier repairs and financial protection against hail damage.

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Repairs Facilitated Using Insurance Coverage for Hail Damage

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At 48-Hour Auto Hail Repair, we work with your insurance adjuster to manage hail damage claims and repairs. This eliminates the hassle of negotiations and delays, allowing you to focus on restoring your vehicle.

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In 2022, 1,587 clients benefitted from our 48-hour hail repair service backed by a 100% lifetime satisfaction guarantee. We prioritize protecting your vehicle’s integrity, value, and appearance.

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If you’ve experienced hail damage, schedule a free 1-hour custom estimate today. Let us help you get your vehicle back to like-new condition.