Will the insurance company compensate for hail damage to the car?
2 Answers
Hail damage to the car is covered by insurance. Damage caused by hail can be defined as a hailstorm disaster. Article 5 of the coverage scope of the auto damage insurance clearly states that the insurer is responsible for compensating for vehicle losses caused by lightning strikes, hailstorms, heavy rain, floods, tsunamis, and other similar reasons. If a car is damaged by hail, the owner must report the incident within 24 hours to facilitate the insurance company's timely assessment of the vehicle's damage based on the weather conditions at the time of the incident. If the policyholder has purchased auto damage insurance, they can receive 80% compensation for hail damage to the vehicle. If, in addition to auto damage insurance, the policyholder has also purchased the no-deductible insurance, they can receive full compensation. However, if the owner only has compulsory traffic insurance, the damage caused by hail to the vehicle will not be covered, and the owner will have to bear the repair costs themselves.
Last time my car roof got pockmarked by hail, and the insurance covered it in full. Comprehensive coverage takes care of this, but only if you didn’t mess with the policy when buying it. Two key steps must be done right: First, prove it was hail damage—don’t report it after the fact. Call the insurer the same day it happens, and if the windshield cracks, don’t peel off the tint yourself. Second, follow the damage assessment process—they’ll send an adjuster to check how deep the dents are. Repair vs. full replacement makes a big difference: small dents can be fixed, but a smashed roof might need cutting. Remember to file the claim before repairs—DIY fixes usually won’t be honored. Also, get a weather certificate, something many forget.
