Comprehensive coverage protects you against losses caused by something other than a collision i.e. theft, vandalism, fire, and damage caused by weather. Yes, this includes hail damage.
It is important to remember that, before the coverage contained in your auto insurance policy kick in, you must first pay your auto insurance deductible. This is the agreed upon value you pay out of your own pocket before your auto insurance coverage covers the rest of the damage caused (up to your policy’s limits). Figure out what deductible amount you are comfortable paying up front and then talk to one of our insurance professionals who will be happy to assist you in reviewing your coverages.
Hail can be pretty nasty and can cause a variety of damage to your vehicle. In some cases, hail can even cause enough damage to your vehicle to the point it is deemed a total loss. This occurs when it is determined that the value of the damage caused to your vehicle exceeds the value of the vehicle itself.
You can take certain measures to prevent hail damage to your car. First, pay attention to the weather forecast. Whether you listen to the weather forecast on your television first thing in the morning or you read the forecast on your phone app, being proactive in figuring out what kind of weather is going to be in your area is a great way to prevent any potential damage to your car. Also, if you have a garage, consider storing your vehicle inside the garage if bad weather is headed your way.
If you find yourself caught in the middle of a hail storm, follow these steps to ensure the safety of yourself and any passengers in your car with you:
Stop driving and pull over to a safe area
If possible, find cover such a garage or a parking ramp for overhead protection. In some cases, an underpass may be an option to consider, but don’t forget to pull over far enough to avoid traffic and to turn your flasher on, so that other cars notice you.
Park your car at an angle
By doing this, any hail is more likely to hit the front of your vehicle and your windshield is reinforced to protect you from rocks and debris. Your side windows are not.
Stay inside your car
Your own personal safety is more important than any damage caused to your car. Remember that during any kind of storm you find yourself in. Your car can always be repaired or replace.
Cover yourself with a blanket while lying facedown inside your vehicle. Instruct anyone else in your vehicle to do the same to protect themselves from debris.
Turn your radio on so that you stay up-to-date on current weather conditions.
How to Report Hail Damage
Call our office at 301-948-2010 to speak with one of our experienced agents who will happily answer all of your questions with regard to your situation. They can also help you determine if it is better to file a claim under your auto insurance policy or if the damage is insignificant enough to not proceed with a claim.
Remember, our experienced insurance professionals are always hear for you for answer any and all of your insurance questions. We know how unpredictable life can be! We’re here for you!