Severe weather can wreak havoc on your car, and hail storms are one of the most damaging events. In 2021 alone, there were over 3,700 hail storms in the U.S., causing billions of dollars in damage. If your car has been caught in a hail storm, you may be wondering what steps to take next.
Texas is the state where hail storms are most prevalent, making Texas drivers more likely to file insurance claims for hail damage than in any other state. The top ten states for hail damage insurance claims between 2018 and 2020 include Texas, Colorado, Illinois, Missouri, Minnesota, Kansas, Nebraska, Iowa, Oklahoma, and South Dakota.
To have your car repairs covered by insurance after a hail storm, you will need comprehensive coverage. This type of insurance is the only one that covers hail damage, as liability insurance only covers damage to other vehicles in a collision.
If you do need to make an insurance claim for hail damage, it may impact your car insurance premium. To avoid this, consider parking your car in a covered area during hail storms. Remember to document the damage, file a comprehensive insurance claim, get an estimate from a repair shop, choose a reputable repair shop, and schedule the repairs. Hail damage is repairable, especially with paintless dent removal, but it’s important to act quickly and follow the necessary steps to ensure your car is back in top shape.