Does Insurance Cover Hail Damage?
Yes, most car insurance policies can cover hail damage, but it typically depends on the type of coverage you have.
If you have comprehensive coverage as part of your car insurance policy, hail damage will usually be covered. Comprehensive coverage is designed to protect you against damage to your vehicle that’s not the result of a collision. It covers incidents like theft, vandalism, fire, natural disasters, and yes, damage from hail.
On the other hand, if you only have liability coverage or collision coverage, hail damage is generally not covered. Liability insurance only covers damages to other people’s property and medical bills if you’re at fault in an accident. Collision coverage, as the name suggests, only covers damage to your vehicle in the event of a collision with another vehicle or object.
Remember, even with comprehensive coverage, you’ll still be responsible for paying the deductible before your insurance covers the rest. The deductible is the amount you agree to pay out-of-pocket when you purchase your policy.
If you live in an area prone to hailstorms, it could be a good idea to make sure you have comprehensive coverage. Always read your policy carefully or discuss with your insurance agent to understand what’s covered and what’s not.
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