Hailstorms can happen fast — especially during spring and summer storm season. And while a storm may only last a few minutes, the damage it leaves behind can be expensive.
Insurance companies know this, too, as the most severe consecutive storm damage to cars comes from hail.
From dents and cracked windshields to broken mirrors and paint damage, hail can seriously impact your vehicle. So, does car insurance cover hail damage?
In many cases, yes — but it depends on the type of coverage you have.
What Type of Insurance Covers Hail Damage?
Hail damage is typically covered under comprehensive auto insurance.
Comprehensive coverage helps protect your vehicle from non-collision events such as hail, as well as:
- Windstorms
- Falling objects
- Theft
- Fire
- Vandalism
If you only carry liability insurance, hail damage to your own vehicle usually will not be covered.
What Does Hail Damage Typically Include?
Depending on the severity of the storm, hail damage may include:
- Dents on the hood, roof or trunk
- Cracked or shattered windows
- Windshield damage
- Side mirror damage
- Paint scratches or chipping
Repair costs can vary widely depending on the extent of the damage and the type of vehicle.
Will You Have to Pay a Deductible?
In most cases, comprehensive coverage includes a deductible.
That means if your repair costs are less than your deductible, you may end up paying out of pocket. If the damage exceeds your deductible, your insurance may help cover the remaining repair costs up to your policy limits.
Before filing a claim, it may help to compare estimated repair costs against your deductible amount.
What Should You Do After Hail Damage?
If your vehicle is damaged during a hailstorm, taking a few quick steps can help make the claims process smoother.
Consider:
- Taking photos of the damage
- Documenting the date and location of the storm
- Contacting your insurance provider promptly
- Preventing additional damage if possible
Some insurance companies may also recommend approved repair shops or inspection options.
How to Help Protect Your Car From Hail Damage
While you can’t stop severe weather, there are ways to help reduce your risk during hail season.
Helpful precautions include:
- Parking in a garage or covered area
- Monitoring weather alerts
- Using a vehicle cover during severe weather
- Avoiding driving during active hailstorms when possible
Preparing ahead of time may help minimize damage and costly repairs.
Be Prepared with the Right Insurance
So, does car insurance cover hail damage? If you carry comprehensive coverage, the answer is usually yes.
Understanding your policy before severe weather strikes can help you feel more prepared and avoid unexpected surprises after a storm.
If you’re unsure what your auto insurance policy includes, reviewing your coverage with a licensed insurance professional can help you better understand your protection options.
Help protect your vehicle from Mother Nature’s surprises by starting a free auto quote now!