Does Car Insurance Cover Hail Damage?

Updated 3 days ago
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Comprehensive car insurance covers hail damage. If you only have your state's required minimum coverage, you're not protected from weather-related damage. Add comprehensive insurance to your policy or upgrade to full coverage for the most protection.

What does comprehensive insurance cover?

Comprehensive insurance covers damage caused by anything other than another vehicle, including:

  • Civil disobedience: Someone breaks the law and vandalizes your car.
  • Explosions and fire: Damage caused by flames and explosions
  • Damage from animals: You hit an animal, or an animal runs into your car.
  • Falling objects: An object falls onto your vehicle (e.g., pole or tree branch)
  • Glass damage: Broken windows and cracks
  • Natural disasters: Extreme natural disasters such as hurricanes, earthquakes, and floods.
  • Terrorism: Damage from a terrorist attack
  • Weather-related incidents: Damage caused by hail, heavy rain, or any other severe weather event

How much does comprehensive coverage cost?

The cost of your comprehensive coverage depends on a few factors, including:

  • Age
  • Driving history
  • Location
  • Car model

The average cost for comprehensive coverage is $121 a month. For full coverage, the average price is $2,390 per year ($200 per month) for this policy.

Progressive provides full insurance at a competitive average rate of $2,393 per year. Contact Progressive to get an easy quote, today!

How does a claim for hail damage affect my insurance rates?

Your insurance provider is unlikely to raise your premiums after a claim for hail damage. The accident is out of your hands and has nothing to do with your driving capabilities.

How do I make an insurance claim for hail damage

Follow these 5 steps:

  1. Access the situation and see how much damage is done.
  2. Write down everything you remember about how the hail damage occurred. Include your car's location and the approximate time of the storm.
  3. Take pictures of the damage to help your insurers get an idea of the extent of the damage.
  4. Phone your insurance provider to make your claim. An auto insurance adjuster then assesses the damage to your vehicle. The adjuster determines if your car needs to get replaced, or if your car needs repairs.
  5. If the hail damage is repairable, your vehicle gets towed to a repair shop. Once repairs are complete, you receive a check for the amount owed on your deductible.

Can hail total my car?

In some cases, hail damage is extremely severe, damaging your car beyond repair. Your company's insurance adjuster decides whether your car needs to get replaced. If your car gets totaled, you may claim for a car replacement from your auto insurance provider.

3 Things to consider about making a claim for hail damage

  • If your car has only been slightly 'dimpled,' you don't need to make an insurance claim for repairs. However, your car loses value and you get much less when it comes time to sell.
  • Comprehensive coverage is essential if you live in an area with severe weather. Without it, damage to your vehicle gets paid for out-of-pocket.
  • Hail damage repairs often cost more than your deductible limit. Therefore, you save money even if you've got a high deductible rate.

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