Does Liability Insurance Cover Hail Damage?

Updated October, 2020
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Liability doesn't cover hail damage, it covers at-fault accidents. Add comprehensive insurance to your auto policy to have protection from hail damage. Repairs and a possible replacement of your car are included in this policy.

Does liability coverage include hail damage?

Liability coverage is the state's minimum coverage required to drive legally. It protects others if you're in an at-fault accident and pays out for medical bills and repairs.

This policy doesn't cover hail damage or weather-related accidents. You need comprehensive insurance to remain covered for hail damage. Purchase it as an additional policy, or upgrade from minimum insurance to full coverage.

Full coverage includes liability, comprehensive, and collision coverage.

What does liability insurance cover?

Liability includes coverage for:

  • At-fault accidents: Damage to another vehicle, piece of property (fences, walls, or structures) or person.
  • Legal costs and payouts: Legal fees and payouts to the person you've collided with or hurt.

Liability coverage excludes coverage for:

  • Intentional damage: Damage you cause to another vehicle on purpose
  • Criminal charges: Charges made against you for breaking the law
  • Contractual liabilities: Damage done to your car

What does comprehensive insurance cover?

Comprehensive insurance includes coverage for the following:

  • Civil disobedience: Someone breaks the law and vandalizes or steals 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., tree branch, pole)
  • Glass damage: Broken windows and cracks
  • Natural disasters: Extreme natural events such as hurricanes, earthquakes, and floods.
  • Terrorism: Any damage from 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 and liability coverage is $121 per month.

To maintain more protection, purchase full coverage (liability, collision, and comprehensive insurance).

Progressive provides you with full insurance at $2393 per year. Contact Progressive to get your quote, today!

Deductibles on comprehensive coverage

Your deductible is pre-determined when you first buy your auto insurance policy.

To get this policy with zero deductibles you're charged an additional cost.

Ask your insurance provider about this option and 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 after a claim for hail damage. The damage done is out of your hands; it has nothing to do with your driving capabilities.

How do I make an insurance claim for hail damage

There are certain steps you need to take to ensure that you're covered when making your claim, such as the following:

  1. Assess the situation and see how much hail damage there is on your vehicle
  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 done.
  4. Phone your insurance provider to make your claim. An auto insurance adjuster then arrives to do an assessment of the damage done to your vehicle.
  5. The adjuster decides if your vehicle may need to get replaced, or if your car needs repairs. If the hail damage is repairable, your vehicle gets towed to a repair shop. One 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, claim for a car replacement after filing a total loss claim.

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 much less for it when it comes time to sell.
  • Comprehensive coverage is necessary for areas that regularly experience severe weather. Without it, damage done to your vehicle from severe weather gets paid for out-of-pocket.
  • Hail damage typically costs more than your deductible to fix. Therefore, you still save money even if you've got a high deductible rate.

Get the best coverage for hail damage

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