Hail happens. It’s quite the phenomenon when little balls of ice plummet from the sky, but it happens. Maybe you can’t park your car in a nice, cozy garage. And if you keep your car outside, your question might be this: does car insurance cover hail? You cringe to think about ice pellets raining down on your car. We’ll explain the coverage you would need for hail damage to be covered.
Does car insurance cover hail?
Well, that depends on the coverages you carry for your vehicle. If you have comprehensive insurance on your car, you may be covered for hail. (We’ll explain comprehensive insurance in more detail in a minute.)
The point is that if you only carry liability insurance on your car, you would not be covered for hail damage. That’s because liability insurance isn’t intended to protect your car – it’s intended to protect other drivers from you if you’re at fault in an accident. Liability insurance can also help you cover your legal expenses if you get sued by the other driver.
Bodily injury liability helps cover the other driver’s medical bills and pain and suffering if you’re at fault in an accident.
Property damage liability helps cover the repairs of the other driver’s car if you’re at fault in an accident.
But note – we didn’t mention anything about YOUR car in all of that. Like we said, liability insurance is not meant to protect your car.
So, enter comprehensive coverage.
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What is comprehensive coverage?
Comprehensive coverage can help you repair or replace your car if it’s damaged by something other than a collision. For example, it can cover losses like:
That’s why you’re generally covered for hail damage if you have comprehensive insurance. It’s an important coverage that’s intended to protect your vehicle. (However, it’s very important to read through the policy so you know what losses are and are not covered.)
Keep in mind, though, that you need to remember your deductible. (Your deductible is the amount you agree to pay in the event of a claim. You pay your deductible and your insurance company takes care of their portion of the claim.) If you have hail damage to your car, you may be out your deductible…but at least the entire bill wouldn’t be on your shoulders.
Your car is a valuable investment, so it makes sense to protect it well. Don’t skip over comprehensive insurance when you’re considering what coverages you want for your car. Comprehensive isn’t the only coverage that helps you if your car is damaged, though. It has a best friend that’s called collision coverage.
What is collision coverage?
Collision coverage can help you repair or replace your car if it’s damaged in an accident or by another collision. So, if you’re in an accident and you need to have some car repairs done, your collision coverage could help you out. Again, it’s an important coverage to consider because it helps protect your car. Repair bills can get expensive, after all.
PRO TIP: If you have a car payment, your lender may require you to carry collision and comprehensive coverage. Make sure you find out what insurance your lender wants you to carry.
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To recap, liability insurance does not protect your car. So if you only carry liability insurance, you would not be covered for hail damage. Comprehensive coverage, on the other hand, generally covers hail. That’s why it’s so important to think about collision and comprehensive coverage.
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