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Does Car Insurance Cover Damage from Hail?

Have you ever had to take cover in a hailstorm? Hailstorms can be common along coastal areas, but hail can fall in just about any geographic location. According to the National Oceanic Atmospheric Administration (NOAA), hailstorms cause about $1 billion in damage to property and crops every year! If you’ve recently had damage to your car as a result of hail, you may be asking, “Does car insurance cover damage from hail?” Let’s assess your car insurance policy to help you determine whether you may have coverage for this kind of damage. Also, let’s consider why you may want to have your car repaired following a hailstorm, plus ways to prevent hail damage from happening at all.

First Question: Do You Have Comprehensive Coverage?

Every claim is different, so it’s best to provide your insurance carrier claims representative with all the details about the damage and wait for official word on the coverage determination. If you carry comprehensive coverage on your car insurance policy, then you will most likely have coverage for damage to your car resulting from a hailstorm. Comprehensive coverage usually provides protection against damage to your vehicle for things like vandalism, fire, flood and hailstones.

What If I Didn’t Purchase Comprehensive Coverage?

If you only carry liability coverage and other mandatory minimum coverages on your car insurance policy, then you should not expect your insurance carrier to cover your claim for damage resulting from a hailstorm. Liability insurance will only cover damages to other people’s property and injuries as a result of an accident that you caused with your vehicle. Liability insurance protects you from financial and legal issues that could arise from an accident for which you are at fault. Liability insurance on your auto policy is required by law, and is essential coverage; unfortunately, it will not cover damages to your vehicle. Bottom line: comprehensive insurance must be in place for hail damage claims.

Repairing Your Car From Hail Damage

Depending on the size of the hail, the damage could be minimal or extensive. Call your insurance carrier’s claims department and provide them with the details of the storm, including the date and time of the event and pictures of your car. A claims representative may make an appointment with you to have an adjuster come out to assess the damage on your car. Blemishes on the body of your car can certainly diminish its resale value. There may be some minor cosmetic work to do, such as touching up some paint or buffing out scratches. The worst-case scenarios involve major bodywork if there is extensive damage from large hailstones. The claims adjuster can help you make the determination about what should happen next.

The Best Ways to Prevent Damage and Protect Your Car From Hail

If you’re driving down the road and you begin to hear the pelting of hailstones on your roof, the best thing you can do is stop driving! If it’s safe to do so, pull off to the side of the road in order to prevent extensive damage to your vehicle. Ideally the hail simply falling on its own, without the velocity of your vehicle added, will minimize damage. However, if you continue to drive, you’re significantly increasing the speed at which each hailstone strikes your car. Pull over and wait for the hail to stop falling before you continue driving. If you’re at home and you see or hear hail falling, be sure to pull your car into the garage or carport if you have one.

Final Thoughts Car Insurance and Hail Damage

As previously mentioned, body damage from a hailstorm can negatively impact the value of your car at resale. A hailstorm can happen very quickly with little to no warning. If you have comprehensive coverage on your auto policy, get the damages corrected as soon as possible. If you don’t have coverage for hail damage, you may need help in determining the value of your car and the estimated cost for repairs in order to determine what you should do next. You can also click on the following links to get more information about if car insurance will cover a windshield replacement or hurricane damage.

 If you have questions about hail damage or comprehensive coverage, call Plymouth Rock Assurance today!  Plymouth Rock representatives will be happy to assist you. Providing protection for New Jersey residents for decades, Plymouth Rock offers flexible policy coverage, rewards programs, exceptional customer service, and exclusive affinity programs that provide significant discounts for which you may qualify.  Find out why you should get a Plymouth Rock quote today!

Call 855-993-4470, get your free quote online or find a local agent to see how Plymouth Rock Assurance can help you if your car is damaged by hail. If you need additional information, please visit our Contact Us page.