Will your car insurance cover hail damage?

Core Insights - Comprehensive auto insurance coverage is essential for protection against hail damage, while basic liability insurance does not cover such incidents [2][4][6] - The average insurance payout for hail-damaged vehicles was approximately $5,000 in 2021, with payouts depending on repair costs and deductibles [7] - Filing a claim for hail damage typically does not increase insurance premiums, although rates may rise after major weather events due to insurer risk assessments [7] Insurance Coverage Types - Comprehensive coverage protects against hail damage and other non-collision incidents, while collision insurance covers damages from crashes [3][6] - Liability insurance is mandatory in most states but does not cover hail damage [4][6] Claims Process - To file a claim for hail damage, policyholders should check their coverage and deductibles, document the damage, and contact their insurer [5][11] - The claims process involves getting an estimate for repairs, which the insurer will use to determine the payout [11] Repair and Total Loss - Hail damage can lead to total loss if repair costs exceed the vehicle's market value; insurers will pay the actual cash value minus the deductible [9] - If a vehicle is financed or leased, lenders may require insurance proceeds to be used for repairs [10] Decision-Making on Claims - Evaluating whether to file a claim depends on the extent of the damage relative to the deductible; minor damage may not warrant a claim [13]