Does Auto Insurance Cover Hail Damage?

​Dealing with natural disasters, especially the damage they deal to vehicles, is very frustrating. You can't do anything to prevent them from occurring, so all you can do is protect your car from them or pay for the repairs after. 

Auto insurance helps reduce the cost of unexpected car repairs, but does it cover hail damage? In this article, we’ll talk about the policy for covering hail damage and how to file a claim for hail damage. 

Auto Insurance Coverage
The coverage for auto insurance depends on what kind of policy you will get. Various insurance policies, such as a comprehensive auto insurance policy, may protect you against unexpected repair costs. These include falling debris, projectiles, explosions, natural disasters such as earthquakes, hurricanes, hailstorms, flooding, riot, vandalism, or incidents with wildlife.

If you are wondering if hail damage is covered by auto insurance, the answer is yes. 

Filing for a Hail Damage Claim
If you have a comprehensive auto insurance policy and a hailstorm damages your vehicle, talk with your insurance provider to submit a claim. Your car may not be road-worthy anymore if it has a cracked window or damaged windshield. You may set up a towing service to transport your car if you have roadside assistance insurance coverage.

An estimate advisor from your insurance provider will examine the damage caused by hail and determine the estimated repair expense. Afterward, you may be reimbursed by your insurance provider for the services, less your deductible.

Insurance Rate Changes
Insurance providers analyze claims and repair records to set prices. Certain companies may raise your rate based on one hail damage claim. Your insurance provider may record your claim in your insurance claim history, even if it does not increase your rate. Consequently, your rate may rise if you have a background of repeated claims.
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Conclusion
Hail storms damage vehicles in numerous ways. They may shatter your windshields, dent your car, or even make your vehicle undrivable. Getting comprehensive auto insurance may help reduce the costs of repairs for hail damage, and depending on the circumstances, your insurance rate may increase. 

At Insurance Marketplace Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (541) 779-0177. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!