Does Insurance Cover Hail Damage?

Updated October, 2020
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Your comprehensive insurance covers hail damage. This policy pays for repairs and vehicle replacement if your car's totaled. Liability and collision insurance don't include coverage for weather-related accidents.

Does auto insurance cover hail damage?

Hail damage isn't covered with your state's minimum required insurance policy. Add comprehensive coverage to have protection for weather-related repairs.

Liability and collision coverage protect your car when you're in an at-fault accident.

If you have full coverage (liability, collision, and comprehensive), you're protected. Your car repairs get paid for, minus your deductibles.

What does comprehensive insurance cover?

Your comprehensive insurance covers:

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

How much does comprehensive coverage cost?

The average cost for comprehensive coverage is $121 a month. To maintain more protection, buy full coverage (liability, collision, and comprehensive insurance).

Progressive provides you with full insurance for an average of $2,393 per year. Contact Progressive to get a quote, today!

Deductibles on comprehensive coverage

Your deductible is pre-determined when you buy your auto insurance policy. Ask your insurance provider about your options to remove deductibles from your policy.

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

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

How do I make an insurance claim for hail damage

When making your claim, you need to follow certain steps to ensure that you're covered, such as the following:

  1. Assess the situation and see how much damage the hail caused.
  2. Write down everything you can 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 that's done.
  4. After you have documented as much as you can, phone your insurance provider to make your claim.
  5. An auto insurance adjuster visits and does an assessment of the hail damage done to your vehicle. The adjuster decides if your vehicle needs to get replaced or if your car needs repairs.
  6. 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.

What if the hail totals 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, speak to your auto insurance provider about filing a total loss claim.

Your provider typically reimburses the market value of your car (minus your deductible).

3 things to consider about making a claim for hail damage

  • If your car has only been slightly damaged and is now 'dimpled,' you don't need to make an insurance claim for fixes. However, your car loses value and you get less for it when it comes time to sell.
  • Comprehensive coverage is strongly advised in areas with severe weather. Without it, damage done to your vehicle by the severe weather is paid for out-of-pocket.
  • Hail damage most often costs more than your deductible to fix; you still save money if you've got a high deductible rate.

How do I find the best coverage for hail damage?

Get instant quotes tailored to your needs - fill out our short form, today!

Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156