Hail has become an increasingly common weather event in states across the country. Unfortunately, it causes a great deal of costly property damage every year, taking a particularly heavy toll on vehicles that are left exposed to the outdoor elements. While it’s difficult to know what Mother Nature will bring from one day to the next, you can protect yourself against potential financial risks with the right car insurance. The key is knowing precisely what your coverage includes. Here’s an overview of how auto policies work when it comes to hail damage.

Understanding Car Insurance & Hail Claims

Is Hail Damage Covered? 

Whether or not your car insurance will help pay for hail damage depends on the type of coverage you purchase. If you opt to get the minimum liability coverage required by your state, you’ll only be protected from damages that you cause to someone else as the result of an at-fault accident. 

However, if you choose to include comprehensive insurance in your policy, you’ll be covered for any repairs needed due to hail damage. Typically, this is optional coverage unless you’re leasing or financing a vehicle and the lender requires it. It’s designed to cover losses incurred by events other than a collision, such as fire, storms, falling objects, theft, and vandalism.

Why Do You Need Hail Coverage?

Hail damage often requires extensive repairs, including dent removal or purchasing replacement parts. In some cases, it has even totaled cars. This happens when the cost of repairs amounts to more than the vehicle is worth. To prevent having to pay the full bill out of pocket to fix or replace your vehicle, it’s wise to carry comprehensive car insurance. It might be tempting to ignore exterior damage if your car is still operable, but this can lead to rusting and further deterioration. Full coverage will allow you to address any issues promptly without having to drain your bank account.

If you have any questions about your current car insurance coverage, reach out to Jenkins & Bevan Insurance for clarification. We are dedicated to making sure clients are adequately protected from life’s unexpected events. For more than 35 years, they’ve been helping residents throughout Lorain County, OH, create a financially secure future with quality products offered at affordable rates. Call (440) 984-6771 to schedule a policy review, or visit them online for more information about their services.