If your car is damaged by hail or other severe weather, it will be covered by car insurance, as long as you have comprehensive coverage. Only liability coverage is included in basic vehicle insurance, which does not cover your car. Liability coverage pays out to those you harm in an accident. You’ll have to carry full coverage with comprehensive and collision insurance for maximum weather protection.
Collision coverage goes a long way because it provides insurance for both you and your car in the event of an accident, regardless of fault. Comprehensive coverage protects against damage to your car when it’s not in use. If you keep your car in a driveway, then it is subject to all sorts of treacherous weather like hurricanes, twisters, blizzards, and hail. Criminal damage like vandalism is also covered. The best part about comprehensive claims is that they are no-fault, so they’re not as likely to affect your premiums.
How Much Does Car Insurance For Hail Damage Cost?
Comprehensive insurance is your answer to hail damage. Based on national averages, comprehensive coverage costs about $1,758 annually. This is because it usually can’t be bought without making the upgrade to full coverage. Be aware that if a weather warning is issued, your insurance companies may impose limited restrictions on adding physical damage coverage, lowering deductibles, increasing limits on current policies, and purchasing a new policy.
Where is Hail Damage More Likely to Happen?
Insurance companies tend to receive hail damage claims from April through May. The Midwest and Southern U.S. are the areas most affected. Illinois reports an estimated $394.2 million in hail damage claims, while Texas reported $474.6 million. Other states that report over $2 million in hail damage claims are Minnesota, Missouri, and Colorado. The average hail damage claim is around $4,300, but it depends on the severity of the damage.
How Does Hail Damage Coverage Work?
You must have comprehensive insurance to submit a hail damage claim. An insurance adjuster will assess the degree of the damage and see if your insurance policy will cover it or whether your car is deemed totaled. If your car is being fixed, you must first pay the deductible on comprehensive coverage before your insurance pays for the expense. If your vehicle is totally destroyed, your insurance provider will give you the actual cash value of the car, which you may use to purchase a new vehicle.
Is Windshield Damage Covered?
In certain situations, your insurance provider may waive the deductible on your comprehensive insurance coverage for glass damage. If your car’s glass is being changed rather than replaced, the deductible will frequently be waived. You may look into complete glass coverage that would cover the cost of repairing hail-damaged windshields.
Does a Hail Damage Claim Affect Premiums?
It’s not unusual for your homeowner insurance policy to require that you pay a deductible before benefits are paid out. While light hail damage might not meet or exceed your deductible, heavy hail damage, while mostly cosmetic, can destroy even a new automobile. If your vehicle’s damage exceeds your deductible by a significant amount, you should make a claim. The good news is that an increase in your rates will not happen automatically as a result of the damage because it’s a no-fault situation.
It shouldn’t take a collision for you to realize how vital car insurance can be. You never want to be caught driving without it. Reach out to Insurance Navy today to see how low your SR-22 rates could be. Call us today at 888-949-6289 or visit us online for your free car insurance quote. We make sure you get low-cost insurance with high-quality coverage.