If your vehicle has been damaged by a hailstorm, you’re likely to have several questions.

• How do I submit a claim?
• Is this type of damage covered by my insurance policy?
• Will filing this claim increase my insurance premiums?
• Where can I have my vehicle repaired?
• Can I choose the repair shop for my vehicle?
• What repair options do I have?

These are valid questions, and we will guide you through what to expect during the process. It’s important to understand your rights as the insured and to know what happens when you file your claim.

Understanding Hail Damage Insurance Claims

Hail damage is considered a comprehensive claim, not a collision claim. If your policy includes comprehensive coverage, you are protected. The deductible you selected for your comprehensive coverage is the amount you’ll need to pay yourself, while your insurance company will cover the remaining cost of the claim.

In most cases, insurance companies classify hail damage as an act of God, so it usually does not impact your future premiums. However, if your vehicle experiences hail damage frequently, these claims might affect your rates over time. It’s a good idea to check with your insurance provider about their specific policies on this.