Claims for car and homeowners insurance decreased in 2021 from 2020. Hail damage presents a dilemma for car owners: It is usually cosmetic but highly visible. Some people decide to live with dings. Others file comprehensive insurance claims only to find out the cost of repair doesn’t meet their deductible.
so, should you get your car fixed? Should you keep a hail damaged car that has been totaled? Will your rates increase? Here are some things to know about filing a hail damage auto insurance claim.
Does auto insurance cover hail damage?
You’re covered for hail damage if you have comprehensive insurance coverage, known as “non-collision,” which also covers animal strikes, vandalism, and theft. you will have to pay your comprehensive deductible.
It is usually not worthwhile to claim minor hail damage because the repair costs do not exceed the deductible. however, major hail damage can total a car.
“Now is the time to prepare,” Gina Wilken, public affairs specialist for State Farm, said in a statement. “Call your insurance agent and review your coverage. after a hail storm is not the time to discover that your coverage is outdated.”
how do you file a hail damage claim?
You must have comprehensive insurance to file a hail damage claim. Here are the steps to take if you have to file a hail damage claim:
- document the damage.
- Get an estimate on repairs from a reputable auto body shop, but don’t start repairs if you’re going to file a claim.
- Compare the estimate to your deductible amount to make sure your repair costs significantly exceed your deductible amount.
- file a comprehensive insurance claim.
- an insurance adjuster will assess the extent of the damage and determine if your insurance company will pay to repair the damage or if your car is totaled.
- If your car is repairable, your insurance company will pay for the repairs less the deductible.
- If your car is totaled, your insurer will pay the actual cash value of the car less the deductible, which you could use to help buy another car.
will a hail claim increase my insurance premiums?
It depends on your state’s laws and the insurer’s rating system, but in general, comprehensive claims of this nature do not affect your rates. natural event damage claims are generally not brought against you as they are unforeseeable and out of your control. but you should check with your insurer to be sure.
Keep in mind that even if your rates may not increase due to a hail claim, the number of claims filed against your policy may affect your rates. if you have recently filed other claims, the sheer number of claims made may cause you to be considered a higher risk. therefore, you will pay more.
how much does car insurance pay for hail damage?
Last year, the average auto insurance hail damage claim was $5,000, according to 2021 state farm hail claims data. What your auto insurance will pay depends on the actual damage and your deductible. .
what are the top five states with the most hail damage claims?
state farm received 255,000 hail claims in 2021, totaling $2.5 billion for combined home and auto claims. The top five states in 2021 for hail damage claims, including homes and automobiles, were:
total state farm hail claims paid for homes and automobiles
- texas: $710 million
- Minnesota: $253 million
- oklahoma: $202 million
- illinois: $187 million
- colorado: $139.5 million
Frequently Asked Questions: Car Insurance and Hail Damage
resources & methodology
state farm. “state farm releases 2021 hail claim data totaling $2.5 billion”. accessed August 2022.