Will Insurance Cover Hail Damage to My Car?
2 Answers
Whether insurance will cover hail damage to your car can be divided into the following two scenarios: 1. If you have purchased auto damage insurance: Then the insurance can cover hail damage. 2. If you have not purchased auto damage insurance: Then the car owner will have to bear the loss themselves. More information about auto damage insurance is as follows: 1. The coverage of auto damage insurance includes vehicle damage caused by falling objects, collapse, storms, tornadoes, hail, heavy rain, floods, mudslides, earthquakes, and other reasons. 2. After an insurance incident, the relevant expenses incurred by the insured for taking necessary and reasonable rescue measures to prevent or reduce losses can also be claimed.
Last time, my car was damaged by hail, with dents all over the roof. I quickly took photos and reported it to the insurance company. I had comprehensive insurance, which covers natural disasters, and they promptly sent someone to assess the damage and cover the repair costs. It's crucial to have collision insurance because compulsory traffic insurance doesn't cover damage to your own car. I recommend parking your car in a garage or underground during severe weather to avoid such losses. The claims process was smooth; after reporting, it only took a few days to settle, but don’t forget you’ll have to pay the deductible. For car owners in hail-prone areas, it's best to check your policy coverage annually to ensure protection and avoid hassle later. Take timely action to prevent further damage, as driving a damaged car isn’t safe.
