Is Hail Damage Covered by My Auto Insurance?

Posted on: April 22nd, 2021 by Accurate Auto Body Shop 1 Comment

Every year, there are hundreds of hailstorms in Colorado with hail stones an inch or more in diameter. These storms can cause serious damage to your car. Even if you take every precaution, sooner or later one of these storms is going to get your car, leaving you with extensive hail damage.

Now you’re left to wonder: Is hail damage repair covered by my auto insurance? The answer is: it depends.

What Type of Coverage Do You Have?

hail damage to the hood of a vehicle Whether insurance will cover your hail damage depends on the type of coverage you have. Comprehensive coverage for your car will cover most damage, regardless of the cause. This includes hail damage.

However, if you have liability only coverage, damage to your car is not likely covered at all. In this situation, only the damage that your car causes to other vehicles or injuries to others caused by your car will be covered.

What’s Your Deductible?

The next question is figuring out whether your deductible will eliminate the benefit of making a claim for your damage.

The deductible is the amount you have to pay out-of-pocket before your insurance kicks in. In some cases, this can be close to or even more than the cost of fixing the damage. In that case, it might not be worth it to file a claim for the damage.

What’s Your Car Worth?

Specifically, this question relates to what your car is worth to the insurance company. Your insurance company estimates and tracks the value of cars as they age and are damaged. The insurance company might decide that the cost of repairing the damage exceeds the value of the car. Then they will “total” the car, paying you what they think the car is worth, rather than the cost of repairing the hail damage.

If you want, you can still take that insurance company payment and use it to repair your car. However, you will likely have to kick in some additional money to fully pay for repairs.

Affordable Hail Damage Repair

At Accurate Auto Body, we are used to dealing with insurance companies. We can help you understand your coverage and get insurance to pay according to the terms of coverage.

We also offer affordable hail damage repair when insurance isn’t picking up the bill. We offer paintless dent repair for most hail damage. This less expensive option can make your car look beautiful again at a fraction of the cost.

However, we also offer traditional hail damage repair when paintless repair isn’t an option.

Why Choose Accurate Auto Body

At Accurate Auto Body, we know that what really matters in your car repairs is you. Your car is a tool, and in fixing that tool, we are serving you. That’s why we’ve developed our Focus on You Service System™. We prioritize taking care of you by treating you with respect in our warm and welcoming office.

We also provide you with a guaranteed estimate and a guaranteed completion date for your repairs. We work around your schedule so you have your car when you need it, and we turn it around faster than other shops so you spend less time without your car. Our award-winning technicians fix your car right the first time so you don’t have to come back for repeated service or end up stranded.

And we work directly with your insurance company so you don’t have to.

To learn more about what sets us apart, make an appointment to get a free estimate at Accurate Auto Body in Denver.


One Response

  1. One of my older cousins is buying his first car next weekend, so he’s interested in learning more about auto insurance. It’s good to know that an insurance company estimates and tracks cars as they age, so I think this could be helpful for my cousin. I appreciate your advice on auto insurance and how to know if it covers hail damage.

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