Whether or not car insurance covers hail damage tends to depend on what type of coverage you have. If you have comprehensive coverage, it will usually cover the entire cost of any damage that happens to your car via hail. However, you should really only make a claim if the cost of repairs costs more than your deductible. You want to make sure that you are getting money from the insurance company rather than having the deductible covering the repair in full.
- Hail storms can cause the most damage over any other type of weather event in some parts of the country.
- Comprehensive insurance is the only coverage that will cover damage from hail storms.
- If you live in a part of the world where hail is a common thing then the insurance is worth the deductible.
“The other main types of car insurance—collision and liability coverage—do not cover hail damage. Collision coverage only covers damage related to an accident, either with another driver or with a stationary object. Liability insurance protects you in a lawsuit if you get sued by another driver for an accident or property damage.”