A hailstorm doesn’t have to produce grapefruit-sized balls of ice to inflict vehicle damage. Even pebble-sized hail pieces can dent and scratch a car because of the rate at which they fall, such as 1-inch hailstones falling at up to 40 miles an hour. If you are wondering whether dent repairs and other hail-related damage is covered by your car insurance, use this quick guide. You may need to contact your insurance carrier to adjust your plan.

Liability vs. Comprehensive Coverage

Hail damage is covered by car insurance depending on the plan you purchased. A liability or Personal Liability and Property Damage (PLPD) plan covers property damage caused by your vehicle but does not pay for weather-related repairs. It is the minimum coverage requirement in most states.

In comparison, comprehensive coverage pays for a much wider range of damages, including dent repair from a sudden hailstorm. The only aspects comprehensive auto insurance doesn’t cover are car rentals and roadside assistance, including towing services.

The Importance of Filing a Claim Immediately

Even if hail damage to your vehicle seems minor, it is important to file an insurance claim as soon as possible. Dents, scratches, and other bodywork damages lower your vehicle’s value and, subsequently, its resale price.

The sooner you get an estimate from the local collision center and file a claim, the quicker you will receive a reimbursement. Take photos of the damage as proof to expedite the process further, especially since other drivers in your area may be filing hail damage claims.

Jerry Ernst Auto Body has provided Eastern Cincinnati, OH, and Northern Kentucky with dent repairs and other auto body services since 1972. A member of the National Institute for Automotive Service Excellence, this BBB-accredited shop offers lifetime warranties on all work and employs certified technicians only. Call (513) 871-7200 today for a free estimate or learn more about dent repair services online. Get additional auto maintenance and safety tips on Facebook.