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Does Car Insurance Cover Hail Damage?

Updated: December 2017

If your car was hit by hail, you may be wondering if your car insurance will cover it. If you have comprehensive coverage, it may help pay to repair hail damage. If you only have auto liability coverage, the damage to your car is not covered.

Car with hail damage.

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What Does Comprehensive Insurance Cover?

If you purchased comprehensive coverage on your car insurance policy, you're likely covered for hail damage. Comprehensive coverage helps pay to repair or replace your vehicle if it's damaged in an accident that's not a collision. That typically includes hail damage, which could result in dents in your car's body, cracked or shattered glass, and even interior water damage.

What Does Auto Liability Insurance Cover?

Auto liability coverage is required in most states. If you cause a car accident, it helps pay for the other driver's medical bills or property damage. Liability insurance does not cover damage to your vehicle (or your medical bills).

Do You Have To Pay a Deductible For Hail Damage?

Comprehensive coverage usually comes with a deductible, the amount you'll pay out of pocket when you make a claim. The Insurance Information Institute says policies with a higher deductible may help lower your premium — however, if you live in an area where hailstorms occur more often, you may want to consider whether you can afford the out-of-pocket deductible after a hail claim.

It's also helpful to know that, under some circumstances, your insurer may waive the deductible on the glass portion of your comprehensive coverage. For instance, if the glass is repaired, rather than replaced, your insurer may waive the deductible. Additionally, you may be able to buy full glass coverage as part of your policy, which typically means you won't have to pay a deductible on glass claims. Check with your agent to see if these options are available on your policy.

Can You Fix Hail Damage on a Car?

When you file a car insurance claim for hail damage, you will work with your claim adjuster and auto body shop to get a repair estimate. The adjuster will determine whether your insurer will pay for repairs or if your car is totaled. A car is considered totaled if repair costs exceed its depreciated value. If your car is totaled and you have comprehensive coverage, your insurer would cut you a check for the car's actual cash value, which you could use to help buy a replacement vehicle.

When it comes to hailstorms and the potential damage they can cause to your car, it's better to be safe than sorry. Speak with your insurance agent to help decide whether comprehensive coverage might be right for you.

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This content is for informational purposes only and may not be applicable to all situations.

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