You know the feeling. The clouds start rolling in, and the thunder shifts from slow rumbles to loud cracks. The storm has arrived. Storms can translate to hail if you’re in a part of the country with seasonal temperature fluctuations. Without the right car insurance coverage, you could end up with a hefty repair bill after one of these storms.

Not all storms result in hail. And not all hail will damage your car. But you may be wondering about your insurance and whether or not you’re covered if your vehicle experiences significant damage. Here’s what every auto owner needs to know about car insurance covering hail damage and what you can do to protect your ride during these potentially damaging storms.

What constitutes hail damage?

car safety, insurance

Hail damage | Getty Images

Ice balls of varying sizes can cause significant damage to your car. The damage you can expect can be just as unpredictable as the hail-producing storm itself. Some insurance claimants have reported paint chips, minor scratches, shattered glass, and significant dents in their cars due to hail.

Typically, when a vehicle owner files a claim for hail damage, an insurance assessor or quality control may want to see proof of the vehicle damage. You may be able to submit photos of your damaged vehicle when setting up your claim or even save time-stamped photos and videos from the storm, showcasing the size of the hail that caused the damage. But you might be in for a costly surprise if you don’t have the right insurance coverage. Not all plans will pay for repairs caused by hail.

Will your insurance cover hail damage?

According to Erie Insurance, car insurance can cover hail damage. However, if you’re only carrying liability coverage, you’ll have to pay for that hail damage out of pocket. The Balance reminds vehicle owners that only comprehensive coverage will reimburse vehicle owners for damage caused by “natural acts” or “acts of nature.”

It’s also important to know that with comprehensive insurance plans, you’ll likely have a deductible to pay or an agreed amount of out-of-pocket costs you’ll cover before the insurance coverage applies. This means if you have minor damage, you might be paying for the repairs as part of your deductible requirement. For car insurance to cover hail damage, you’ll need to be on time with monthly premium payments, securing the plan before the hail damage occurs.

Hail damage costs and prevention

Car Insurance shared that the average hail damage claims in 2020 were $4,300. Other insurance carriers say averages are closer to $2,800. But as you can imagine, your hail damage repair bill will vary depending on the storm’s severity.

Pulling a few dents out of your hood or touching up chipped paint won’t be overly expensive. However, broken glass and warped panels could translate to thousands in repairs, or worse, your insurance provider totaling out your vehicle. In these instances, the damage cost outpaces the car’s value.

If you live where hail storms can happen, you’ll want to ensure you carry comprehensive insurance coverage. But you can also be mindful about protecting yourself and your car during these hails storms to prevent damage. Stay alert about weather conditions so you can park your car in a garage or under cover. And if you find yourself driving when the hail starts falling, consider pulling over under an overpass or into a carwash bay until the hail subsides.

Check your specific insurance policy to make sure you have comprehensive coverage. You can also verify your deductibles. And when the hails storms roll in, do your best to protect your ride so you can avoid hail damage altogether.


2022 Toyota Tundra, 2022 Lexus NX recalled for parking brake issue

The redesigned 2022 Toyota Tundra pickup truck and redesigned 2022 Lexus NX compact crossover are being recalled for a faulty sensor that could prevent the electronic parking brake from being engaged, the NHTSA disclosed on Monday. If the parking brake can’t be engaged, and the driver ignores or disregards ...

View more: 2022 Toyota Tundra, 2022 Lexus NX recalled for parking brake issue

5 Ways to Prevent a Parking Lot Accident

Roadways can be dangerous, but so can parking lots, with approximately 50,000 collision-related incidents yearly. The main reason seems to be that drivers will let their guard down when they enter these areas because driving is generally slower. They also don’t always follow general rules and regulations, which can easily ...

View more: 5 Ways to Prevent a Parking Lot Accident

3 Steps to Take if Your Car Is Stolen

Having your car stolen is one of those things that we all assume happens to other people but never to us. The unfortunate truth is that this can befall anyone. So, what do you do if you find yourself the victim of car theft? We’ve got some car safety tips ...

View more: 3 Steps to Take if Your Car Is Stolen

Why Do Cars Have a 3rd Brake Light?

Every time you step on your car’s brake pedal, the brake lights will illuminate to alert following drivers you’re slowing or stopping. Brake lights are an essential car safety feature, without which our roadways would be risky and chaotic. However, until the 1980s, motor vehicles were legally required to have only ...

View more: Why Do Cars Have a 3rd Brake Light?

2023 Toyota RAV4 Safety and ADAS Features: Everything You Need to Know

The 2023 Toyota RAV4 brings a lot to the table, and like many other Toyotas, that includes a lot of safety features. Many of these safety features are standard, and some are also advanced driver assistance systems, or ADAS, which improve the safety of the RAV4 even more. Here’s everything ...

View more: 2023 Toyota RAV4 Safety and ADAS Features: Everything You Need to Know

3 Instances When You Should Never Use Your Parking Brake

One of the most important aspects of a car is the brakes. Every driver interested in car safety should know when to use them. There are apparent scenarios where it would be a good idea to use the brakes. However, sometimes drivers should avoid using their brakes, especially the parking ...

View more: 3 Instances When You Should Never Use Your Parking Brake

Can Wrapping Your Car Keys In Foil Prevent Your Car from Being Stolen?

Car owners typically take steps to ensure car safety and secure their vehicles from vandals and thieves. They are even going to lengths that seem somewhat strange to many people. Snopes checked into a Yahoo ad after it claimed you could wrap your keys in foil to help prevent car ...

View more: Can Wrapping Your Car Keys In Foil Prevent Your Car from Being Stolen?

6 Things You Can Do to Prevent Car Theft

Not finding your car where you parked it can be frightening. Unfortunately, it’s turning into an all too common experience. Car safety is gaining more traction owing to the rise in auto theft. Thieves are becoming increasingly savvy, using technology to steal vehicles and changing vehicle identification numbers to avoid getting caught. According ...

View more: 6 Things You Can Do to Prevent Car Theft

Does The Government Record Everywhere You Drive?

2022 Toyota Tundra achieves best IIHS safety rating among pickups

Is It Illegal to Take a Selfie Photo While Driving a Car?

Why Do Some Police Cars Have Cameras on Their Trunks?

Who Causes More Car Accidents: Teens or Seniors?

You Can Avoid Most Rear-End Collisions by Following 1 Simple Rule

School Bus Rules: When You Should and Shouldn’t Stop

What to Do When Your Wipers Are Smearing Instead of Wiping

Can Theft Be Covered by Car Insurance?

4 Tips to Remember When Sharing the Road With Motorcycles

2023 Volvo XC40 Recharge Safety and Driver Assistance Features: Everything You Need to Know

Ford Expedition, Lincoln Navigator recalled for fires under the glovebox


Breaking thailand news, thai news, thailand news Verified News Story Network