In Colorado, the spring months can bring about intense hailstorms. Golf ball-sized hail is quite the spectacle, but what does it mean for your car? If you have the misfortune of being parked outside during a hailstorm, you may be facing significant hail damage to your car.
If your car has been damaged in a hailstorm, your car insurance may cover some or all of the repair costs. Learn more about car insurance coverage for hail damage below.
Comprehensive Car Insurance Coverage
Comprehensive coverage may also be referred to as “other than collision” insurance. This type of auto coverage is optional and includes damages to your vehicle from factors that you can’t control. Examples of these factors include vandalism, theft, fire, windshield damage, and acts of nature.
If you have comprehensive car insurance, hail damage to your vehicle falls is most likely covered. Your insurance plan will provide some compensation to cover the repair or replacement costs for your vehicle.
Types of Hail Damage to Cars
Comprehensive coverage will usually provide compensation for all types of hail damage to cars, including:
- Dents and dings
- Chipped paint
- Shattered windshields or windows
- Cracked or chipped windshields or windows
- Damage to the car frame
- Sunroof damage
To repair various types of hail damage, your auto repair provider will likely need to use multiple repair methods. Certain parts of the car, such as the windshield, side mirrors, and windows, may need to be fully replaced.
Deductibles For Comprehensive Coverage
Similarly to other types of insurance, your car insurance policy specifies deductibles. A deductible is the amount of money that you must pay out-of-pocket when you make an insurance claim. Insurance companies generally have you pay the deductible with comprehensive coverage. You may be able to purchase zero-deductible coverage for an extra fee.
For hail damage repairs with comprehensive coverage, you’ll need to pay your deductible when you have your car repaired. Virtually all types of hail damage repairs exceed the deductible for a comprehensive insurance plan. Colorado gets a significant number of severe hailstorms each year, so it’s smart to plan ahead: could you afford the deductible for a hail damage claim? If not, talk to your insurance agent about the options available to you.
Filing a Hail Damage Claim
To file a hail damage claim, call your insurance company. You may also be able to file a claim online, depending on the company. The insurance company will send one of their adjusters to assess the damage and provide an appraisal. The adjuster may come right to you, or you may need to go to an auto repair shop.
An auto repair company can help you with the claim filing process and provide a repair cost estimate. Once the claim has been approved, you can schedule the repairs.
What About Auto Liability Coverage?
Auto liability coverage is a form of car insurance that drivers in most states, including Colorado, are required to have. The purpose of this type of car insurance is to cover other drivers’ property repair or replacement and medical care in the event that you’re at fault in a collision. In this scenario, your auto liability coverage would pay for the damages to the other driver’s car.
Any damage to your vehicle, including hail damage, isn’t covered by auto liability insurance. Drivers who are only covered by auto liability insurance would have to pay for hail damage repairs out of pocket. An auto repair provider will work with you to determine the most cost-efficient repair methods.
What If Hail Damage Totaled My Car?
While many types of hail damage are repairable, it’s possible for hail damage to total a car. At a certain point, the repair costs for severe hail damage will make buying a new car a smarter choice than repairing the old one.
Your car is officially declared totaled if the value of your car is deemed lower than the damage amount. At this point, you can ask your insurance company to purchase your damaged car for the salvage value. If you go this route, you can continue to drive the car and still get some compensation from your insurance company.