When taking out car insurance, natural disasters may not be at the forefront of your mind—after all, car damage is often caused by accidents with other vehicles. But if you live in an area where hail storms are a possibility, it’s important to ensure that your car is protected.

Repairs for hail damage can be costly, especially without the help of adequate insurance.

So, does car insurance cover hail damage? The short answer is yes—but only if you have the right policy.

Almost every state requires a basic car insurance policy, but it won’t usually include comprehensive coverage. In this short guide, we’ll cover basic auto insurance and the additional insurance coverage you need to cover hail damage.

The Right Type of Coverage for Hail Damage

When it comes to choosing the right car insurance policy for your budget and protection, you have several options.

Most states require drivers to take out mandatory minimum auto insurance. A basic policy will typically include the following kinds of coverage:

  • Liability Coverage – Mandatory by most states, this coverage helps pay for the other person’s damages if you cause a car accident. It often includes bodily injury liability coverage (for physical harm) and property damage liability (for damage to a vehicle).

  • Personal Injury Protection – Liability coverage protects the other driver and their passengers, but what about you? Also called PIP, this insurance can help to cover your medical expenses after an accident (including lost wages).

  • Uninsured and Underinsured Motorist Insurance Coverage – If you’re in an accident with someone with no insurance or someone who is underinsured, their auto insurance policy won’t kick in to cover your costs. Uninsured motorist coverage, however, can help to pay for any repair cost or medical bill.

Beyond your state’s basic requirements, it’s prudent to take out additional coverages like the following:

  • Collision Coverage – In an accident with another car or an object, this type of insurance will help you to repair any damages to your car. However, keep in mind that it does not cover hail, theft, medical bills, or damage to someone else’s car.

  • Comprehensive Coverage – When it comes to hail and other damage out of your control, comprehensive car insurance helps you to repair or replace your car if necessary.

States with Major Hail Events

For those living in states that experience hail storms, comprehensive coverage can provide affordable protection against the cost of damages.

According to the Insurance Information Institute, the five states that experienced major hail storm events in 2020 were:

  • Texas

  • South Dakota

  • Kansas

  • Oklahoma

  • Nebraska

Other states that have a high number of hail storm loss claims include Colorado, Minnesota, Illinois, and Iowa.

If you live in any of these states and want to protect your car from hail damage, buying comprehensive coverage with a lower deductible may be the best option.

Comprehensive Coverage for Hailstorms and Beyond

Is comprehensive coverage worth it? To make an informed decision, you’ll need to understand the additional benefits of a comprehensive policy.

Beyond hail, comprehensive insurance covers damages made by forces outside of human control, such as:

  • Theft

  • Natural disasters

  • Fire

  • Vandalism (learn more about does car insurance cover vandalism?)

  • Falling objects

  • Animal damage (i.e., hitting a deer)

  • Civil disturbances (i.e., riots)

With comprehensive coverage, you set the deductible, which is the amount of money you’ll pay out-of-pocket for damages when you file a claim. The policy will usually pay the rest of the repair costs as long as they do not exceed the value of the car.

Filling a Hail Damage Claim

How will your insurance help in case of hail damage?

Let’s walk through it.

If repairing the hail damage to your car will cost more than your deductible, you should look into filing a hail damage claim.

When it comes to car insurance, the number of claims you make affects your premium. However, comprehensive claims won’t have as large an impact on your rate as would claims resulting from an accident or collision.

After confirming that you have comprehensive coverage, take the following steps:

  1. Document the hail damage to your car with photographs

  2. Make note of when and where the storm happened as well as how long it lasted

  3. Get in contact with your insurance agent to start filling a hail claim

With any luck, you’ll get your visit to the auto body shop covered in no time.

Choose the Right Car Insurance Policy with OnlineAutoInsurance.com

Before you get behind the wheel, use OnlineAutoInsurance.com to make sure you’re getting the right coverage for anything that might come your way—from an uninsured motorist to hail damage.

Our easy-to-use tools enable you to compare car insurance rates and shop for premiums without having to speak to an insurance agent. Have more questions about coverage? We provide expert answers so that you can make an informed decision.

To get started, provide a little information such as your name, birthdate, car info, and ZIP code. And just like that, you can find an insurance company that offers exactly what you’re looking for.

Sources:

Allstate. What Is Comprehensive Insurance? https://www.allstate.com/tr/car-insurance/what-is-comprehensive-auto-insurance.aspx

Insurance Information Institute. Facts + Statistics: Hail. https://www.iii.org/fact-statistic/facts-statistics-hail