Was your vehicle damaged after a hail storm? It might be covered under your auto policy.

29 Mar


Auto damage hail stormThe one thing we can count on in Northeast Ohio is that our weather is unpredictable. Severe storms can seriously damage your house, car, and make driving more hazardous. Your car can easily be beaten up with dents due to hail damage. Fixing hail damage can cost more than you think, because the damage is commonly widespread throughout the entire vehicle. The good news however, is that it is very possible that your hail damaged car could be covered under your automobile policy.

If you have liability only insurance, unfortunately you will not be covered for a hail damage claim. Both hail and storm damage is covered on car insurance policies which have “comprehensive coverage” on the damage vehicle. Comprehensive coverage needs to be purchased before damage occurs to the vehicle. Generally speaking, if you have collision coverage on your auto policy, you also have comprehensive coverage.

Will I have to pay a Deductible for Hail Damage?

Most likely yes. Deductibles are determined at the time you purchase your car insurance policy. Most insurance companies require a deductible on a comprehensive loss that is the same as the deductible you would pay if you were in an accident, but check with your agent to make sure. Sometimes a zero deductible can be added for an additional cost. Your deductible would cover all damage on your vehicle from the hail storm, including glass that may have broken in addition to dents on the exterior of the vehicle.

How do you fix Hail Damage?

At South of the Square Collision, we use a combination of Paintless Dent Repair, Glass Replacement, and Traditional Auto Body Techniques to return your vehicle to pre-loss condition. Additionally, Hail Damage can be hard to spot on your car. If you see a few dents in your hood, it’s probable that the roof and trunk are also damaged. Our I-CAR Trained staff are experts at identifying all the storm damage on our customer’s cars. Avoid quick fly-by-night companies that setup hail repair stations under tents in parking lots, they don’t stick around very long and have limited resources for fixing your car.

Hail damage can be frustrating and expensive to deal with. Take the time to check your auto insurance policy before the big storm hits to ensure that your car is covered for whatever Mother Nature may throw at you!

Angry mother nature