Auto Insurance 101: Hail And Cars

​Nobody prepares you for the appearance of your car after hail damage. Scratches, dents, and even shattered glass are all possible. 

Hail damage repairs aren't the same as collision repairs. If you have hail damage to your car, you may be starting to wonder if your vehicle insurance would cover it. If you have comprehensive insurance, it may pay for hail damage to your car's body, interior, and windshield.

What Is Covered By Comprehensive Insurance?
Comprehensive insurance can protect you from hail storms. Comprehensive coverage pays to replace and repair your car damaged in a non-collision accident. 

It contributes to the coverage of animal damage, storm damage, and falling objects such as hail. Hail damage can cause dents and dings in the body of your vehicle, cracked or broken glass, and even interior water leaks.

Does Car Insurance Cover Hail Damage?
Yes, if you have full coverage, your care plan will likely pay the expense of hail damage repairs. Several car insurance plans will cover hail damage to a vehicle. However, this assumes you have bought full coverage for your car.

What Damages Can Hail Do On Your Car?
The severity of hail damage can range from minor damage and debris to broken glass and widespread or serious body damage. Depending on the vehicle's value, hail can also lead to a complete loss.

When Does Hail Damage Get Covered By Car Insurance?
Car insurance may protect your vehicle from hail damage if you have comprehensive insurance. Liability-only insurance policies may not cover hail damage. 

Is It Necessary To File An Insurance Claim After A Hailstorm?
Yes, you should notify your insurance provider as quickly as possible. Your insurer can explain the process necessary to obtain an estimate and fix your vehicle.

What Is The Process Of Auto Insurance?
Auto insurance functions similarly to other forms of insurance, like health insurance and property owners. 

1. First, you must purchase a policy that specifies the amounts and types of coverage you require. 
2. Car insurance policies are typically required to be reviewed and updated every six months, though a few businesses may offer short or long policies.
3. You may be required to pay your premiums once you have purchased your policy. 
4. If you are in an accident, you should file a claim with your insurance company and pay any applicable deductibles. Once you've paid your monthly premium, the insurance policy will cover any remaining costs. Car insurance premiums are typically reset with each claim rather than annually.

Conclusion:
Car insurance is something that every driver requires. Whether you've just gotten your driver's license and are looking for your first car or have been driving for years, auto insurance protects you and some other road users around you.

At Cornerstone Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (888) 661-8831. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.