Hail can be particularly harrowing when it comes to driving, not to mention noisy and damaging.
Some hailstorms can rain down balls of ice the size of golf balls, smashing against your windshield and car. If your car has become damaged thanks to hail, don’t worry as your insurance company should cover it for you.
As long as you have comprehensive cover, that is. If you have only a standard form of liability coverage, this will only protect others that might have been harmed in an incident that was your fault.
Liability coverage does not offer you any compensation for your vehicle or injuries.
The comprehensive cover gives you peace of mind that whatever your car comes into contact with, you will be covered. It might be a collision with another vehicle, an animal, or severe weather or natural disasters.
Claiming on your insurance for weather-related damage is not as severe as claiming for a collision with another vehicle. You will still be required to pay the deductible amount that you have agreed prior with your insurance company, but the claim will not alter your future insurance rates as much as a collision would.
Today we’ll be looking at how much your insurance company might pay out for hail damage, which states are most at risk of hail damage, and how you’d go about getting comprehensive coverage for your vehicle.
States with the most hail damage claims
States that experience extreme weather conditions are most susceptible to hail damaged vehicles. According to the National Insurance Crime Bureau, most hail damage cases are filed in April. The second and third most common months are May and June respectively.
Between 2016 and 2018, the most frequent claims for hail damage were from Texas, Colorado, Nebraska, Missouri, and Illinois. The most common cities were San Antonio, Colorado Springs, Omaha, Denver, and Plano, TX.
However, this is not to say that other states and cities will not be at risk of hail damages from occurring to your vehicle. These incidents can happen anywhere if the weather is bad enough, so make sure that you’re always prepared with the correct insurance.
How much does insurance pay for hail damage?
While we cannot speak directly for your insurance company, the average claim for hail damage is around $3,000.
However, the claim depends on the severity of the damage. Light hail might not cause enough damage to meet your deductible, while extreme cases of hail damage might cost considerably more than that.
There have even been cases in which hail damage has caused irreparable damage and totaled the car. A claim will need to be made if the hail damage is bad enough for the damage to cost more than your deductible. As we mentioned before, this shouldn’t adjust your rates too much.
Collisions with another vehicle might cause your insurance company to raise the cost of your insurance, but damages from something out of your control, like a hailstorm, generally don’t cause a spike. This is because the damage wasn’t your fault and it isn’t a testament to your driving capabilities.
How to get comprehensive cover for your vehicle
Most insurance companies offer comprehensive cover as it is the best option for all-round coverage. We would always recommend choosing comprehensive coverage as you never know what is going to happen on the roads, so it’s best to be protected just in case.
However, many people still drive with lesser coverage because comprehensive insurance cover is the most expensive option. If you don’t think that you’ll ever need to use your insurance, it’s easy to opt for the cheaper option to avoid wasting too much money.
That being said, no one ever thinks that a hailstorm is going to total their car and leave them stranded on the side of the road. So, it’s always worth investing more in your insurance if you have the means to.
So, how much does a comprehensive cover cost? On average, an insurance company will charge around $1,355 per annum. This is roughly $800 more a year than the minimum coverage alternative.
However, with the comprehensive cover you’ll also get compensation for medical bills for both you and another that you’ve injured, cover to pay for damage on others’ property, as well as comprehensive and collision cover.
When should I change to comprehensive coverage?
It’s important to note that some insurers like to outsmart people and put measures in place so that you cannot cheat the system. For example, if you lived in an area that has recently been given an extreme weather warning, insurers will put a temporary hold on new customers.
This means that if you purchase comprehensive cover within 14 days of a weather warning being sent out, you might not be able to claim damages.
Similarly, they might not allow you to claim up to 28 days after your insurance starts. This is to prevent people from only changing their insurance to better coverage after their vehicle has been damaged. So, make sure you change your insurance as soon as possible to avoid not being covered.
To sum up, insurance companies will only pay out for hail damage if you have a comprehensive cover. The minimum coverage will only cover the costs of damages to other people and vehicles that you damaged, and collision coverage will only aid you with damages occurring from hitting other vehicles.
However, a comprehensive cover protects you from almost anything that life wants to throw at your car. Most hail damage related claims will see around $3,000 being offered to you for compensation, although this figure will fluctuate due to the amount of damage caused. Comprehensive cover will cost around half of this per year.
If you live in any of the high-risk areas that we stated above, or simply want to be better prepared should your car ever become damaged due to extreme weather, make sure to change to comprehensive cover as soon as possible.
The longer you’ve had the cover, the easier it will be to get your rightful compensation.
Thank you for visiting. This website is for informational purposes only. None of the information provided is intended to constitute, nor does it constitute, legal advice, and none of the information necessarily reflects the opinions of Misty Rock Capital LLC dba whocanisue.com or anyone associated, employed or affiliated with Misty Rock Capital LLC dba whocanisue.com.