Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 3, 2019

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Believe it or not, hail damage is one of the most common types of auto insurance claims.

Because they are next to impossible to predict, many people have left their vehicle in an open-air parking lot just to find out that a hail storm has come through and caused thousands of dollars’ worth of damage to their car.

Hail can crack and chip windshields and windows, as well as cause numerous dents and dings in the body of a car.

Unfortunately, many people wait until after a hail storm comes through their area before discovering that their insurance policy does not cover the damage.

This has left many people with hundreds or thousands of dollars’ worth of damage that they have to pay for out of their own pocket. Because of this, it is important to figure out now if your policy covers hail damage.

Be sure to search for auto insurance policies that cover hail damage by entering your ZIP code into the FREE comparison tool above!

Types of Auto Insurance

In general, there are three main types of auto insurance. Basic policies typically provide the state-minimum required coverage and little else.

Collision policies will provide funds to the driver to repair his or her vehicle in the case that he or she is at fault in an accident.

Finally, comprehensive policies cover damage from vandalism, car theft, and damage from natural disasters.

Basic Auto Insurance

A basic auto insurance policy will typically only provide funds to the injured parties in the event of an accident. They usually only provide enough coverage to meet the minimums set by the driver’s state of residence.

In the event that a driver causes an accident, this policy will pay to have the other driver’s car repaired or replaced, as well as the medical bills of any victims.

A basic policy will pay for nothing else, however. While these are the cheapest policies available on the market, they will not pay for any of the driver’s damage.

In fact, these policies will also not pay in the event that the car is stolen or damaged in any other way. In short, drivers with basic policies are on their own in the event of hail damage to their vehicle.

Collision Auto Insurance

Collision policies typically cost a few dollars more than a basic policy, but they will provide funds to a driver to repair his or her vehicle in the case that he or she is in an auto accident.

Collision policies will usually cover most of the expenses related to a driver being at fault in an accident.

In addition to paying for the other driver’s personals and property damage, these policies will provide coverage for the driver to have his other own vehicle repaired or replaced, as well as money for medical bills.

Collision policies do not cover damage from crime or natural disasters, however. This means that if a person does not have additional coverage, they will not be able to claim damage from a hail storm.

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Comprehensive Auto Insurance

A comprehensive auto insurance policy will cover just about anything that can happen to a car. Comprehensive policies provide coverage for more than just accidents.

Vandalism, theft, and damage caused by natural disasters are all covered under these policies.

In many cases, items stolen out of a car can be covered and replaced by a comprehensive policy. This means that hail damage is covered if a consumer has a comprehensive auto policy.

Setting the Deductible

Of course, it is important that a consumer is careful about how much he or she decides to set their deductible to.

While hail damage can cause thousands of dollars’ worth of damage to a car, it can also cause just a few hundred dollars’ worth of damage. In fact, just a few dings will usually only cost a consumer less than five hundred dollars to repair.

A single windshield chip often costs less than one hundred dollars.

People who set their auto insurance deductibles to a high amount may have coverage for hail damage on their auto insurance policy, but they may still have to pay for their repairs out of their own pocket.

In the case that hail damage is not severe, it is entirely possible that a person will have to pay for his or her repairs entirely out if his or her own pocket.

Be Diligent

Consumers should check their auto insurance policies carefully to find out if they are protected in the event of a hail storm damaging their vehicle.

If this protection is not part of a consumer’s auto policy, there are ways to get it.

Drivers should contact their insurance company and discuss upgrading their policies.

Many people are pleasantly surprised to find out that adding this coverage to their existing auto insurance policy may only cost a few extra dollars a month.

To compare auto insurance policies, simply enter your ZIP code into the FREE comparison tool below!

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