Frequently Asked Questions

So why file your vehicle hail damage claim sooner rather than later?

With most insurance companies, you have 6 months to file a claim after the date of loss.  If you procrastinate, for whatever reason, and if you fail to file a claim in the given time frame, then your insurance provider may not help you with the repairs. And, by the way, it is common to see car owners forgetting to make a claim and moving on with life.  So the sooner you act the better.

How to get your car back faster?

The logic here is simple – if a hail storm has affected you in your area, then it has affected most vehicle owners in your vicinity, which means there will be a lot of wait time before the damage is fixed. All the local inspectors will be overloaded with demands. It can take a while before you get your estimate from the insurance, let alone your vehicle into a repair facility. The quicker you make your claim and schedule your appointment with the repair facility of your choice, the faster you will have your vehicle fixed and back in your driveway.

Can you claim hail damage twice?

If your car gets hit again with hail, you won’t be paid twice for the same hail damage. If your vehicle has been fixed prior to being hit again, then yes you can make another claim.

Does a hail damage claim raise insurance rates?

In most cases, no your insurance rates will not rise. Since a hail storm is considered to be an "Act of God", a hail damage claim will not raise your insurance rates.

How long do you have to make a claim for hail damage on the car?

Most of the insurance providers have a 6 month timeframe on filing a hail damage claim.  Insurance companies do advise clients to file a claim within 30 – 60 days after the occurrence. You should contact your insurance provider as soon as possible as it is always better to make your claim sooner rather than later.

How much will the insurance cover for a hail damage claim to my vehicle?

It depends on your deductible. This means, if it’s minor hail damage, then you may have to pay it since the cost isn’t going to surpass your deductible. But, if the hail damage exceeds your deductible, then your insurance provider will help you with cost of repairs beyond your deductible.  This is true up until the damage meets or exceeds the amount to total your vehicle.  At that point the insurance will cut a check for the value of the vehicle less your deductible.

You have made your hail damage claim, now what?

After you file a claim, your insurance provider will arrange an assessment of your car. Ensure that you get your car looked at inside or in the shade. Do not get the damage assessed outside in the sun as many of the dents may not be properly seen. Your adjustor will look at the severity of the hail damage and accordingly write the estimate to be repaired. In most cases damage is missed during the first assessment of a vehicle do to improper lighting. At the point in time you have selected a repair facility they will also make an assessment of your vehicle to verify the estimate from the insurance company. If there is additional damage found, they will submit a supplement to the insurance company for the additional repairs.

How do Insurance companies determine the cost of repairs?

Insurance companies use a metrics to determine the cost of repairs on a vehicle. The metrics they use goes off of only a few things. How many dents are there per panel on your vehicle, how big the dents are on the vehicle, and how deep are the dents. With this information they determine how much it will cost to fix each panel on your vehicle. If the cost of fixing the dents is determined to be more expensive than replacing the panel, then they recommend replacing the panel. If the cost of repairing the dents is less than replacing the panel, they recommend repairing the panel. In most cases even if the insurance recommends to replace a panel such as a hood or roof of your vehicle, it can still be repaired using paintless dent repair, maintaining your factory finish and paint job. 

Hail Damage is a Comprehensive Claim
Hail Damage is a Comprehensive Claim