If your car gets caught in a hailstorm, you may have to deal with the unexpected expense of hail repair afterward. Even if you’re unable to afford repairs right away, waiting too long can make the damage worse—rust could develop and damaged parts like the windshield could deteriorate and become hazardous when driving. In this case, it’s prudent to check if your insurance company will pay for the repairs. Here’s how to find out if you’re covered for hail damage.

What’s the Difference Between Liability Insurance & Comprehensive Coverage?

Liability insurance is beneficial when you get into an accident that damages property or hurts someone. Car owners are usually required to purchase liability coverage because it helps pay for the repair of another vehicle or the medical bills of an injured party. However, this type of insurance doesn’t cover a hail damage claim on your vehicle.

Comprehensive coverage, on the other hand, usually isn't mandatory. It protects car owners from more risks even when they’re not out driving. You're covered if your car gets stolen or sustains damage from natural disasters, including hailstorms.

Why Is It Important to File a Claim Right After Hail Damage Occurs?

The sooner you schedule a meeting with an auto adjuster and have your hail damage claim approved, the sooner you can make an appointment with an auto shop for hail repair. Taking early action will also lessen the time you spend driving around a damaged car.

How Do You Choose the Right Hail Repair Specialist?

Where you go for hail repair is up to you, but selecting an auto shop that works with your insurance company can help bring down costs and save you time. You can skip the process of looking around for a shop, having your car inspected, and getting an estimate. Plus, most insurance companies only partner with reputable collision repair shops that offer a workmanship guarantee. 

For fast and reliable auto hail repair, trust David's Hail and Collision Repair in Englewood, CO. Their I-CAR® and ASE®-certified staff use innovative tools to deliver exceptional service on auto paint refinishing, frame repair, and auto glass replacement. They also work with all major insurance companies and offer a lifetime warranty on repairs. Visit them online to set an appointment today, or call (303) 815-3854 for a free estimate.