Hailstorms can strike with little warning, leaving behind cracked windshields, dented roofs and unexpected repair bills. It’s natural to wonder whether auto insurance can help with hail-related damage.
When Hail Damage Is Covered
Hail damage falls under comprehensive coverage, which is an optional part of many auto insurance policies. If you carry comprehensive coverage, your policy may help pay to repair or replace your vehicle if it’s damaged by hail, after your deductible has been met. This includes dents, broken glass and damage to the paint or body.
If you only carry liability coverage, hail damage likely won’t be included. Liability insurance is designed to help with damage or injuries you cause to others, not damage to your own car from weather events. That’s why drivers in storm-prone areas often choose to include comprehensive coverage as part of their policy.
What to Do After a Hailstorm
If your car is damaged in a hailstorm, document everything as soon as it’s safe to do so. Take clear photos of all visible damage, note the date and time and contact your insurance agent to discuss the next steps. Avoid making repairs until your claim is assessed unless it’s necessary to prevent further damage.
Some policies may also include rental reimbursement coverage, which can help with transportation while your vehicle is in the shop. Review the details of your plan or speak with an agent to confirm what’s included and how your deductible may apply.
Learn More
PAC Insurance Agency in Hoover, LA, can help you review your auto policy and explain how hail damage is addressed under your current coverage. If you’re not sure whether comprehensive coverage is part of your plan, contact us to find out.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.