Can I claim insurance if my car has many dents from hail?

[VonOlive]

You can claim insurance if your car has many dents from hail. Here is an introduction to insurance compensation: 1. Only purchased car damage insurance: If the owner only purchased car damage insurance, they can only receive 85% of the compensation. That is to say, if the owner only purchased car damage insurance without any other auxiliary insurance, the insurance company will bear 85% of the compensation, and the rest needs to be borne by the owner themselves. 2. Purchased car damage insurance, car damage insurance, and non-deductible insurance: If the owner purchased car damage insurance along with non-deductible insurance, they can receive full compensation. If the owner only purchased compulsory traffic insurance, they cannot enjoy claim services in case of hail damage. 3. Compensation situation: If the entire car is damaged, as long as the car damage insurance and additional non-deductible insurance are purchased, corresponding compensation can be obtained; if only the glass is damaged (excluding the sunroof), the owner needs to purchase separate glass breakage insurance to receive compensation. In such cases, glass insurance also needs to be purchased because it is a separate insurance, so there will be no compensation for glass damage without it.

[MicahMarie]

I'm the kind of veteran driver who has been behind the wheel for over a decade, and my own car got hit by hail last year, leaving several deep dents. When I saw the damage, my first thought was that insurance should cover it since I've always carried comprehensive coverage specifically for natural disasters. The first step was to immediately take photos as evidence—I snapped pictures of the dents from various angles and the hail on the ground. Then I contacted my insurance company, got a claim number, and the agent asked for details like parking location and time. Within a few days, they sent an adjuster to inspect the car, and after assessing the damage, they confirmed the claim for repairs. The repairs took some time, but I didn’t have to pay out of pocket. Looking back, such claims don’t significantly impact renewal premiums—the key is to act fast and not delay, so evidence doesn’t become hard to find. Now, whenever the forecast predicts hail, I make sure to park in a covered garage to avoid the risk.

[FrankFitz]

I'm still a novice driver, having just bought a new car last year when it got caught in a hailstorm, leaving the roof covered in small dents. It really broke my heart. A friend reminded me to check if my insurance would cover it, and sure enough, upon reviewing the policy, I found that comprehensive car insurance did include this. The process was straightforward: I first took photos of the damage with my phone, then called the insurance company to report the claim. They said they needed to verify it. After that, I went to the 4S shop, where all the dents were repaired using a paintless dent repair technique—no need to repaint, which was fantastic. The entire process didn't cost me a penny, but it's important to make sure your insurance covers natural disasters when you purchase it. If you haven't bought this type of coverage, you'd have to pay out of pocket. In any case, don't panic when something like this happens; dealing with it promptly is the key.

[StGriffin]

I often drive my kids to school and consider my car as part of the family. When a hailstorm hit recently, leaving many dents on the car body, I first checked my auto damage insurance policy to confirm coverage, then immediately took clear photos as evidence. After contacting the insurance company, I arranged for an on-site inspection, and the repair process went smoothly without disrupting daily use. For the repair, I opted for professional dent removal at a specialized shop to preserve the original paint and maintain the car's value. This claims experience taught me the importance of keeping policy details up to date—hail damage is a common insurable event, but repairs can be costly without coverage. Ultimately, ensuring my family's safe travel is the top priority.