Does Insurance Cover Hail Damage To Car? -Yes, insurance does cover hail damage to cars or trucks. Weather is unpredictable; harsh storms can cause great damage to your home, vehicle, and make driving scary. Your car can easily be banged up with dents due to coin-sized or golf-ball-sized hail, many of us know the damage hail can cause.
Fixing hail damage can cost more than you think because the damage is commonly widespread throughout the entire vehicle. Luckily, if you have the right hail insurance coverage “comprehensive,” hail and storm damage will be covered by your policy. However, if you have “liability” only insurance, unfortunately, you will not be covered by a hail damage claim. Generally speaking, if you have collision coverage, you will also have comprehensive coverage. Hail damage is classified as a comprehensive claim, not a collision claim.
Did you know: Hail causes more than $1 billion in property damages every year, including vehicles.
Will I have to pay the deductible for hail or storm damage?
- Most likely yes. Deductibles are determined at the time you purchase your car insurance policy.
Do hail claims raise insurance rates?
- Will a hail damage claim affect my insurance premium? Most insurance companies will not raise premiums or deductibles for “individuals” for filing a claim due to hail or storm damage. It’s considered an Act of God or Nature. It is not the same as an auto accident.
How long do you have to file the claim?
- The good news is this: in Canada on average; it is two years. However, check with your insurance company as the claim time can vary. In the USA most insurance companies allow you up to twelve months to file a claim for hail damage. Keeping in mind, you don’t want to wait that long! Hail damage can wreak havoc on your vehicle and your home. Why cause more damage in the long run.
To learn more about PDR, visit our PDR FQA page.