If you live in a country with four seasons, experiencing hail is inevitable. In simple terms, hail happens when the sky is raining ice. Whether it’s only mild hail or one that’s classified as a hailstorm, you will certainly go through it at least once in a year. Aside from the inconvenience of cold temperatures, hail can cause damage to cars, too. The unpredictable weather can come with unforeseen havoc on your property.
That said, here’s what you should know after hail has damaged your vehicle.
- Assess the Extent of Your Car Insurance Coverage
Before getting car hail repair, check if you have a comprehensive insurance policy coverage. If you have a liability-only insurance package, no claim for hail damage can be made. Hence, when purchasing insurance for your future vehicles, remember to ensure that you have a comprehensive insurance coverage.
Here’s a quick guide as to the difference between the types of insurance:
- When your car has a liability-only coverage, the insurance company doesn’t cover damage caused by hail.
- When your car has a comprehensive coverage, the insurance company covers hail damage and other acts of nature.
That said, if your hail-damaged car has comprehensive coverage, then you’re in good hands. You won’t have to worry about any additional financial expenses.
- Get Your Car Assessed for Pre-Loss Damage
Right after hail damages your car, it’s imperative for you to have your vehicle assessed by the car insurance company. This assessment is necessary for the following reasons:
- First, your vehicle has to be evaluated for non-hail damage. This refers to the damage that may have already been inflicted on your car, even before the hail occurred. The condition that your vehicle was in before the hail damage is referred to as the pre-loss condition. You should be informed that any damage that’s unrelated to hail isn’t going to be covered by car hail repair.
- Second, the car may be totaled, meaning it’s irreparable. In this case, even the insurance can’t do anything for you. This is the worst-case scenario that you may have to deal with after an assessment of your vehicle. To avoid this situation, the best piece of advice for you to remember is this: When the colder months are coming, it’s best to always keep your car inside a garage. You can do no wrong with being proactive. Other than that, you can also spruce up your windshield, or make other upgrades to add protection to your car. After all, you can never be sure of how bad (or how manageable) the extent of the damage may be.
This second point is important to emphasize now, especially if you haven’t personally gone through hail damage yet. It pays to have an overview of the necessary considerations and steps to take in case your car gets damaged.
- Know the Basic Steps in Claiming Insurance for Repairs
As is the case with any other claim, you have to comply with a particular procedure for hail damage insurance. These procedures are in place to ensure that you’re getting the best results possible for your damage claim. Skip any one of these considerations, and you might have difficulty claiming the benefits you’re entitled to after the hail damage.
The procedure for a car hail repair generally goes as follows:
- Ask your car insurance provider if hail damage is covered by your policy.
- Clean the exterior of your vehicle. This is necessary to ensure that an accurate cost assessment of your car’s damage can be made. By cleaning your car, a professional can better see the extent of the hail damage on your vehicle.
- Have the damage on your vehicle assessed by the insurance agency’s authorized representative or their partner repair shop.
- Schedule your repair.
In some cases, your insurance provider will gladly go through all these steps for you. But you must do your part by knowing the necessary preparations.
- Know the Duration of the Car Repair
When there’s a hailstorm in town, you can be very sure that your car isn’t the only one that’s going to need repairs. There will be hundreds of other vehicles that might need car repair services. Hence, expect that it might take a longer time than usual to have your vehicle repaired. This timeframe is something you need to consider, especially if you need to get your car back on the road at a specific time.
Hail damage on a car can sometimes be costly. In most cases, you might need to have your vehicle repaired. However, it might also be the case for you to just leave the “dimples” on, until you can resell your hail-damaged car. Hailstorms don’t choose an area; any car can experience hail damage. And the damage can be as extensive as the entirety of the vehicle. After reading through this guide, you can be better informed with what to do in the event of hail damage on your car.