Yes, standard full coverage car insurance does cover hail damage. The protection comes from the comprehensive coverage component of your policy, which is specifically designed for non-collision incidents. This includes damage from falling objects (like hail), theft, vandalism, fire, and contact with animals.
It's crucial to understand that "full coverage" is not a technical insurance term. It's a common phrase that typically refers to a policy combining comprehensive coverage, collision coverage (for damage from accidents with another vehicle or object), and liability coverage (which is legally required in most states). If you only have liability and collision, hail damage would not be covered.
The process involves paying your deductible—the amount you agree to pay out-of-pocket before insurance kicks in—for the repair costs. For example, if the hail damage repair is $3,000 and your comprehensive deductible is $500, your insurance would cover the remaining $2,500. In cases of severe damage where repair costs exceed the car's actual cash value, the insurance company may declare it a total loss.
| Consideration | Details | Typical Cost/Example |
|---|
| Coverage Type | Comprehensive (not Collision or Liability) | Part of a "full coverage" policy bundle |
| Average Deductible | Amount you pay out-of-pocket | $250, $500, or $1,000 are common choices |
| Average Hail Repair Cost | Varies by severity (paintless dent repair vs. panel replacement) | $2,500 - $10,000+ |
| Impact on Premium | Filing a claim may increase future rates | Varies by insurer and claim history; sometimes forgiven for acts of nature |
| Claim Timeframe | Report damage promptly after the storm | Most insurers require notification within a reasonable time (e.g., 30 days) |
After a hailstorm, document the damage with photos and contact your insurance agent to start the claims process. They will typically send an adjuster to assess the cost. Choosing a repair shop is often your decision, though your insurer may have a network of recommended providers.
