Does Car Insurance Cover Hail Damage?

What is Hail Damage?

Hail damage is damage caused to a car by hail stones. Hail stones are pieces of ice that fall from the sky during a thunderstorm. Hail stones can range in size from small pea-sized pieces of ice to large pieces of ice the size of a golf ball or larger. The larger the hail stone, the more damage it can cause. Hail stones can dent the body of a car, crack windshields, and cause other damage.

Does Car Insurance Cover Hail Damage?

In most cases, car insurance companies will cover the cost of repairing or replacing a car that has been damaged by hail. However, this is not always the case. Your car insurance policy will have specific details about what is covered and what is not. It is important to read your policy carefully and understand what is covered and what is not.

Comprehensive Coverage

Comprehensive coverage is the type of coverage that is most likely to cover hail damage. Comprehensive coverage covers damage caused by events that are not related to a car accident, such as fire, vandalism, theft, and hail. If you have comprehensive coverage on your car insurance policy, then you should be covered for any hail damage that happens to your car.

Collision Coverage

Collision coverage is another type of coverage that could cover hail damage. Collision coverage covers damage caused by a car accident, such as hitting another car or hitting a stationary object. Collision coverage is not as likely to cover hail damage as comprehensive coverage, but it may be possible if the hail damage is related to a car accident or if the hail damage is severe enough that it is considered to be a collision.

Deductible

Most car insurance policies have a deductible, which is the amount of money that you must pay out of pocket before the insurance company will pay for any repairs. The deductible for hail damage is usually higher than the deductible for other types of damage. For example, the deductible for hail damage may be $500 or more, while the deductible for other types of damage may be as low as $100.

Check Your Policy

If your car has been damaged by hail, it is important to check your car insurance policy to see if you are covered. Read the details of your policy carefully and make sure that you understand what is and is not covered. If you are not sure, contact your insurance company and ask them to explain the details of the policy to you.