A hailstorm can result in costly damage to a vehicle. If you want financial protection from these events, you’ll have to secure the right auto insurance. Here’s what you should know about coverage for hail damage.

Why You Should Secure Auto Insurance for Hailstorms

Hail damage such as dents, shattered glass, and water damage is typically covered under comprehensive coverage. This policy is designed to protect you if an incident other than a collision harms the vehicle, such as storms, theft, or animal damage.

Comprehensive coverage is not required by state law, so it is not considered a minimum coverage requirement. It is a wise addition to your policy, however, due to how often this type of damage occurs and how expensive the repairs can be.

What to Do After a Storm

After the storm ends, inspect your car. Look for signs of dings, dents, cracked glass, or water inside the vehicle. Take a clear photo of any damage you find so that you have evidence when filing a claim.

Next, contact your insurance company. They may want you to send them the photos, take the car into a repair shop for an estimate, and may send an adjuster to inspect the car.

Make sure to review the terms of your coverage and act as quickly as possible. Many policies require you to submit a claim within a certain time frame, so if you take too long after the storm, you may compromise your ability to get the damage covered.

For more than 128 years, Mountcastle Insurance has provided auto insurance for personal and business vehicles throughout the Piedmont Triad area. They have convenient locations in Lexington and Winston-Salem, NC. They’ll work with you to find an insurance plan that meets your budget and needs. View coverage options on their website. Call their Winston-Salem office at (336) 777-8500 or their Lexington office at (336) 249-4951 to discuss your needs.