Does Car Insurance Cover Hail Damage?

Source: NOAA National Severe Storms Laboratory 

Types of Damage Caused by Hail 

Hail damage can be categorized into two main types: cosmetic damage and structural damage. Each type affects your vehicle differently, and the severity depends on the hail size and intensity.
Cosmetic Damage
Cosmetic damage to your car means issues that do not affect the functionality. However, these damages can reduce its resale value and aesthetic appeal. Examples include:

Dents and Dings: Small dents on the hood, roof, or sides that leave the car’s body intact.

Chipped Paint: Hailstones may chip the vehicle’s paint, exposing it to rust if not repaired promptly.

Note that cosmetic damage might seem minor, but you need to address it. If you neglect cosmetic damage, it may lead to long-term problems, such as corrosion or additional wear. 
Structural Damage 
Structural damage occurs when hailstones cause more serious harm to your vehicle’s body or components. Examples include:

• Cracked Windshield and Windows: Large hailstones can crack or shatter glass, compromising safety.
• Frame Damage: Severe hail may bend or warp the car’s frame, affecting its structural integrity.
• Engine Damage: Though rare, large hailstones can reach and harm the engine as well and make your car undrivable. 
   

In addition, structural damage often requires costly repairs or, in extreme cases, can lead to a total loss declaration by your insurance company. 

Does Car Insurance Cover Hail Damage? 

The short and simple answer is yes. Your car insurance can cover hail damage. However, it always depends on the type of auto insurance policy you have. Generally, comprehensive car insurance is required to protect your vehicle against damage caused by hail. This policy covers non-collision incidents and events that are out of your control, including severe weather like hailstorms. 

However, if you only have liability insurance, hail damage isn’t covered. Also, we recommend checking your policy details and deductible requirements. Insurance companies may handle hail claims differently. So, talk to your insurance agent right away if your car is damaged by hailstorms. 

What Type of Car Insurance Covers Hail Damage? 

As we have said, comprehensive car insurance is the primary policy that covers hail damage. This type of coverage protects against non-collision events such as storms, theft, and vandalism. It makes sure that repairs for dents, chipped paint, or cracked windshields are handled by your insurance company, minus the deductible. 
Here's what comprehensive car insurance usually covers:

• Hail damage
• Theft
• Vandalism
• Fire Damage
• Natural Disaster (e.g., hurricanes, earthquakes)
• Falling Objects (e.g., tree branches, debris)
• Damage from animals (e.g., collision with wildlife).
• Broken glass and windshield damage (non-collision related)

Please note that comprehensive coverage is optional. But it’s highly recommended for you if you’re living in areas prone to severe weather. 

Relevant Article: Does Car Insurance Cover Car Battery? 

Does Full Coverage Car Insurance Cover Hail Damage? 

Full coverage car insurance combines liability, collision, and comprehensive policies. Of these, only the comprehensive insurance component covers hail damage. It protects against weather-related incidents, including hailstorms. 

However, not all full coverage plans are the same. So, we suggest reviewing your policy to ensure you understand the extent of your coverage. For instance, some policies may waive the deductible for glass repairs, while others may not. 

Read More: Does Car Insurance Cover Scratches and Dents? 

Does Liability Car Insurance Cover Hail Damage?

If you’re only carrying the minimum liability insurance mandated by your state, you won’t be covered for hail damage. Because liability insurance only covers damages you cause to another person’s property or vehicle in an accident. Since hail damage results from natural events, it falls outside the scope of liability coverage. 

Therefore, if you only have liability car insurance coverage, you’ll need to pay for hail damage repairs out of pocket. To avoid this, consider adding comprehensive auto insurance to your existing policy. 

Read Relevant Article: Does Auto Insurance Cover Drunk Driving Accidents? 

Hail Damage Statistics and Most Affected States

Hail damage is a serious issue in the United States, particularly in states that experience severe thunderstorms. The National Oceanic and Atmospheric Administration (NOAA) reported 6,962 cases of hailstones measuring at least one inch in 2023, an increase from 5,879 in 2022 (Via The New York Times). Many of these reports included hailstones larger than 2 inches, which often caused significant damage to cars and homes. 

According to the report from The New York Times, Mark Friedlander, director of the Insurance Information Institute, confirmed that the insurance industry lost $60 billion from severe storms in 2023. This was a sharp rise compared to $31 billion in 2022. These severe storms, often including hail, are becoming more costly due to inflation and increased development in areas prone to storms. 

Most Affected States and Cities in Terms of Number of Hail Events and Claims

Hailstorms are more frequent in certain areas, particularly those within the “hail alley.” States like Texas, Colorado, and Nebraska are some of the top states with a maximum number of hail damage claims. The insurers face hail claims from these states because they are highly susceptible to severe hailstorms. 

In 2023, the top five states by the number of major hail events were: 

Source: Insurance Information Institute 

These five states alone contributed to a significant portion of the United States’ total of 6,962 major hail events in 2023. Texas remains the most affected, with consistent hailstorms causing billions in damages annually. 

Here are the top five states with hail loss claims (2017-2019 Data; Via National Insurance Crime Bureau): 

Here are the top five cities with the most number of hail damage claims, according to the National Insurance Crime Bureau (2017-2019):

Can Hail Damage Be Repaired?

Yes, hail damage can often be repaired depending on the severity. Many vehicles sustain cosmetic damage, such as dents and chipped paint, which are fairly easy to fix. Most auto body repair shops can do it for you. However, cracked windshields or frame damage are considered more severe issues and may need extensive repairs. 

For minor dents, paintless dent repair (PDR) is a popular method. This technique involves carefully pushing dents back to their original shape without damaging the car’s paint. It’s quick, cost-effective, and ideal for small hail marks. 

However, if your car is damaged by hailstones quite seriously, then it might require repairs such as sanding, repainting, or replacing damaged panels. Also, windshield cracks often need replacement to maintain safety. In extreme cases, if the cost to repair exceeds the car’s cash value, the vehicle may be deemed a total loss by the insurance company. 

The repair process depends on the extent of the damage indeed. You should consult an expert to get the best results while keeping the car’s resale value intact. 
Learn More: Will Insurance Pay for a Rental Car During Repairs? 

How Much Does It Cost to Fix Hail Damage on a Car?

The cost to repair hail damage depends on the severity and location of the damage. On average, fixing moderate dents and dings costs around $2,500 for a private passenger vehicle, according to Auto Trends Magazine. However, repairs for extensive damage, such as cracked windshields or structural harm, can exceed several thousand dollars. 

Paintless dent repair (PDR) is often more affordable. It typically ranges from $50 to $200 per dent, depending on the size and how many there are. On the other side, repainting or panel replacements can cost more due to labor and materials. On average, you can expect to pay between $500 to $1500 per panel. 

Please note that if the total repair costs go above the car’s cash value, your auto insurance company may classify the vehicle as a total loss. In such cases, the owner receives the car’s value minus their deductible. 

So, there’s no doubt that fixing hail damage can be expensive. But you can review your car insurance policy for comprehensive coverage. It can help offset these costs and ensure financial safety after a severe storm. 

How Can I Get Coverage for Hail Damage?

To protect your car from hail damage, you need comprehensive insurance. This type of coverage is part of many full-coverage auto insurance plans and handles weather-related damages. It can cover repairs for dents, cracked windshields, or even a total loss after severe storms. 

Start by reviewing your existing insurance policy. Check if comprehensive coverage is included. If not, contact your insurance company to add it. Adding this coverage ensures you’re protected from weather events like hail, floods, and falling debris. 

If you are a new buyer in hail-prone states like Texas or Colorado, it's important to shop around for comprehensive car insurance coverage. Comparing car insurance quotes can help you find affordable plans. You can contact the most affordable insurance agency for getting comprehensive auto insurance in Michigan, Colorado, Texas, Nevada, Florida, Georgia, and Arizona. 

Filing a Claim for Hail Damage

You might feel a kind of doubt while filing a claim for hail damage. So, we’re here to clear the clouds and make things simpler and faster for you. Keep in mind that like any other insurance claim, timely action and proper documentation are necessary. So, let’s start with the very first question about filing a car insurance claim caused by hailstones. 

When Should I File a Hail Damage Claim?

You better file a hail damage claim as quickly as possible after the storm. If you take too much time, it might create complications, especially if your car sustains additional damage later. 

In fact, insurers may deny parts of your claim if they determine the damage occurred before the incident you’re reporting. So, act fast to ensure the damage is assessed accurately. Review your insurance policy to confirm any deadlines. 

How to File a Claim for Hail Damage

Filing a claim is simple but needs a bit of attention to detail. Follow these steps for a hail claim on your car: 

• Document the Damage: Take clear photos and videos of your car. Include different angles to capture all affected areas.
• Contact Your Insurance Company: Notify them right away. Some insurers let you file claims through apps or websites as well. So, utilize the channel that’s convenient for you.
• Submit Necessary Information: Provide your policy details, photos, and a brief description of the storm.
• Schedule an Inspection: An insurance adjuster will assess and verify the damage and determine repair costs.
• Get Repair Estimates: Consult an approved repair shop or one of your choices. Share the estimates with your insurer for approval.
• Complete Repairs: Once approved, either pay your deductible and have the insurer cover the rest or let them pay the shop directly.

Tips for Filing a Successful Hail Damage Claims

To improve your chances of a smooth claim process:

• File the claim soon after the hailstorm.
• Take detailed photographs and videos of the damage.
• Be present during the inspection to ensure all damage is noted.
• Know the amount (deductible) you’ll pay before coverage kicks in.
• Save receipts and communications with your insurance company.

Do I Have to Pay Deductible for Hail Damage?

Yes, most car insurance policies require you to pay a deductible for hail damage claims. The deductible is the amount you pay out of pocket before your insurance company covers the rest of the repair costs. 

However, some policies offer exceptions. For instance, certain comprehensive plans provide glass coverage with no deductible. This means you might not have to pay if the damage is limited to your windshield or windows. 

Also, the deductible amount varies. It depends on your insurance policy and the coverage you selected. A higher deductible every so often brings in lower car insurance premiums but may cost more during claims. 

It's best if you review your auto policy or speak with your insurance expert to clarify what applies to your situation. 

Will a Hail Damage Claim Increase My Insurance Rate?

A hail damage claim may or may not increase your insurance premium. It mostly depends on your insurance company and where you live. Generally, claims caused by natural events, like hailstorms, are considered “acts of God” or “unavoidable”. That’s why many insurers don’t raise rates for a single comprehensive claim at least over a period of 3 to 5 years. 

However, repeated claims could result in higher premiums. For example, if you live in Texas, a hail-prone area, your insurer might see you as a higher risk. Consequently, your comprehensive coverage costs may increase. 

Also, some companies raise rates for entire zip codes after severe storms. This affects all policyholders in the region, even those who didn’t file claims. 

What we understand from here is that not all insurers follow the same rules. So, reviewing your insurance policy or speaking with your car insurance agent can help you get a clear idea in this regard. After all, every car insurance policy is unique. 

What to Do If You Experience Hail Damage

You need a few preparations if you want to protect your car from hail damage. Use these key tips to protect your car from hail and minimize risks:

• Park Under Covered Areas: Use garages, carports, or temporary shelters during storms. This provides the best protection.
• Use Weather Alerts: Monitor local forecasts. Move the vehicle somewhere safe before the storm hits.
• Invest in a Hail Car Cover: These thick covers reduce the impact of hailstones and prevent dents.
• Seek a Temporary Shelter: If driving, park under a gas station canopy or a multi-level parking garage.
• Use Heavy Blankets or Mats: In emergencies, cover your car with thick materials to lessen damage. 

In the end, protecting your vehicle proactively reduces costly hail damage repairs and makes sure you have peace of mind. 

Things to Remember to Avoid Fraud

Fraud can occur during hail damage repair claims. But you can be aware of scams and avoid them by keeping the following tips in mind:

• Verify Contractors: Research contractors thoroughly. Check, review and confirm license.
• Be Wary of Unsolicited Offers: Avoid storm chasers who offer quick fixes after a hailstorm.
• Get Multiple Estimates: Compare repair quotes to make sure you’re getting a fair price and quality service.
• Avoid Paying Upfront: Never pay the full amount before repairs are complete. Partial payments are safer.
• Read Contracts Carefully: Never sign a blank or incomplete agreement. Make sure all terms and conditions are clear.
• Report Suspicious Activity: Notify your insurance company if repair services seem questionable

Does Auto Insurance Cover Hail Damage: Key Takeaways

• Hail damage can cause dents, cracked windshields, and even structural harm to vehicles.
• Comprehensive insurance is required to cover hail damage, as liability policies do not provide this coverage.
• Filing a hail damage claim promptly ensures accurate assessment and a faster claim process.
• The cost of repairs varies, with minor paintless dent repairs costing less than severe structural damage.
• Most policies require a deductible for hail claims, but exceptions exist for glass coverage.
• Filing a claim may not always increase insurance premiums, but frequent claims or living in hail-prone areas can raise rates.
• Preventive measures like parking in garages, using hail covers, and monitoring weather alerts can minimize risks.
• Avoid fraud by verifying contractors, getting multiple estimates, and carefully reviewing agreements.
• Residents in states like Texas and Colorado face the highest risk of hail damage, so they should prioritize full coverage insurance.

Frequently Asked Questions (FAQs)

Does Collision Insurance Cover Hail Damage?

No. It doesn’t. Collision insurance doesn't cover hail damage because it's meant for accidents involving collisions with other vehicles or objects. It covers incidents like car accidents, single-car accidents with stationary objects, and rollovers. For hail damage, comprehensive insurance is required. 

How Susceptible Is Hail Damage in Michigan? 

Hail damage is quite common in Michigan because of its severe weather. Hailstorms can produce hailstones from small, pea-sized to large, softball-sized, causing damage to cars, homes, and crops. Cities like Detroit, Grand Rapids, and Flint often see these storms. 

Does Comprehensive Car Insurance Cover Hail Damage?

Yes, comprehensive car insurance covers hail damage. This insurance protects your car from non-collision events like hailstorms, theft, vandalism, and natural disasters. Having comprehensive coverage means your car is protected against unexpected damages, giving you a sense of safety during severe weather. 

How Does Hail Damage Affect Car Value?

Hail damage can lower your car's value. Dents and scratches make the car less appealing, reducing its resale or trade-in value. If you don't fix the damage, it can lead to rust and corrosion, further decreasing the car's worth. Fixing hail damage quickly helps keep your car's value intact. 

What Size Hail Will Damage a Car? 

Hail as small as pea-sized can cause damage to a car, especially if it falls at high speeds or accumulates over time. Larger hail, such as quarter-sized or larger, is more likely to cause substantial dents and damage. 

Do Trees Protect Cars from Hail? 

Trees can offer some protection from hail, but it's not foolproof. They can block smaller hailstones, but larger ones can still cause damage. Branches might also break off and hit your car. For better protection, use a garage or a hail cover, if available. 

Should I Claim Hail Damage on My Car? 

To put it simply, you should claim hail damage if repair costs exceed your deductible or if the damage affects your car’s safety or resale value. However, for minor issues below the deductible, you should pay out-of-pocket to avoid pointless claims. 

What’s the Average Insurance Payout for Hail Damage Car? 

The average insurance payout for hail damage to cars in the U.S. typically ranges from $500 to $3,000. The exact amount depends on how much damage there is, where you live, your insurance policy, and the cost of repairs. In hail-prone states like Oklahoma, payouts can go up to $3,500. In some cases, they may even reach $5,000. 

How Long to Claim Hail Damage on Car? 

Typically, you should file a hail damage claim within 30 days to a year after the incident. However, the exact timeframe can vary depending on your insurer, insurance policy, and location. We always recommend filing a claim as soon as possible since hail claims are time-sensitive. It's best to contact your insurance provider without delay to know the specific requirements and deadlines. 

Can Hail Damage Total a Car? 

Yes, hail damage can total a car. If the cost of repairs exceeds the car’s actual cash value (ACV) minus the deductible, the insurance company may declare it a total loss. Hailstorms often damage multiple parts, including the roof, windows, and doors, leading to expensive repairs. This is more likely with older vehicles, where repair costs most likely to surpass the car’s value.  

References: 

• NOAA National Severe Storms Laboratory. (n.d.). Hail Basics. https://www.nssl.noaa.gov/education/svrwx101/hail/
• Carrns, A. (2024, March 22). Insurers report rising hail damage claims. The New York Times. https://www.nytimes.com/2024/03/22/your-money/insurers-report-rising-hail-damage-claims.html
• The Team | III. (n.d.). https://www.iii.org/about-us/the-team/mark-friedlander
• Facts + Statistics: Hail | III. (n.d.). https://www.iii.org/fact-statistic/facts-statistics-hail
• Top 5 states for hail claims: 2017-2019 data | National Insurance Crime Bureau. (n.d.). https://www.nicb.org/news/news-releases/top-5-states-hail-claims-2017-2019-data
• Keegan, M. (2024, April 10). Hail Damage and Your Car: What’s the Cost? Auto Trends Magazine. https://autotrends.org/hail-damage-repair-cost/