Does Car Insurance Cover Hail?

It is very rare that a South Floridian will ever see hail – up North they see it all the time. However, once in a while, you will get hail down here. Last time I remember hearing it was right before Hurricane Charley I think came roaring through, either that or it was the other one that summer.

But on that rarest of occasions when the hail does decide to drop out of the sky and onto your automobile – what do you do about getting the small dents that are now all over your car taken care of? Is this something your car insurance will cover, or do you need to pay for it out of your own pocket?

Well, it turns out that it is covered by car insurance. If you have comprehensive coverage on your auto insurance policy that you are covered for things like theft, fire, flooding, vandalism, and yes – hail. So call your car insurance agent and they will tell you if you have the proper coverage to have it taken care of.

One small thing though, you have to find out what your deductible is. If it is a large deductible you may want to get a quote from a body shop to see what it might cost you out of pocket to fix something like that. If it is going to be a whole lot, then the deductible is worth it, but if not, you may want to pay it out of pocket.

The reason I say this is because any sort of claim on your car insurance is bad, they can raise your rates or drop you if need be, only because they will have actually had to pay something instead of just taking your money – and everyone knows that when car insurance companies have to pay out they make you pay more.

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