If your vehicle has been damaged by a hailstorm, there are several questions that probably come to mind.

  • How do I file a claim?
  • Does my policy cover this type of damage?
  • Will this claim raise my rates?
  • Where can I get my vehicle repaired?
  • Do I have a choice as to who will repair my vehicle?
  • What repair options are available to me?

These questions are legitimate, and we will walk you through what you can expect from this process. It is important to know what your rights are as the insured, and to know what to expect when you file your claim.

Hail damage is classified as a comprehensive claim, not a collision claim. If you have comprehensive coverage, you are covered. Whatever deductible level you have chosen on your policy for comprehensive coverage is the amount of the claim you will have to pay out of pocket. Your insurer pays the rest of the claim amount.

Generally speaking, hail damage is considered an act of God by most insurance companies, and does not affect your future rates. However, if your vehicle gets hail-damaged repeatedly, these claims may affect your premiums later. Ask your insurance company for their policies regarding this.