Does Car Insurance Cover Hail Damage Repairs?

March 31, 2020
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Does Car Insurance Cover Hail Damage?

Yes! Your car insurance coverage does handle the expense of repairs needed due to hail damage, but only if you have comprehensive coverage. Some people choose only to have liability insurance, instead of adding comprehensive and collision, but this policy will not cover your hail repair in Colorado Springs.

Types of Vehicle Damage Coverage:

  • Collision: Collision coverage handles the damage done to your vehicle during a covered incident that involved another vehicle. This coverage is different from liability insurance, which pays only for the other car when you cause an accident.

  • Comprehensive: Comprehensive coverage pays for any damage to your vehicle that wasn’t caused by an accident. Types of coverage include theft, hail, vandalism, and fire.

close up of someone holding a cell phone and looking at their car insurance quote for Colorado

Cost of Repairing Hail Damage if Vehicle is Insured in Colorado

If you have comprehensive coverage, you will only be responsible for your insurance deductible. Let's say the hail repair bill is $1,000, and you have a $250 deductible. You would pay the $250, and the insurance company would pay the remainder.

  • Average Hail Damage Insurance Cost For A New Car: According to Insurance.com, the average hail damage claim is $3,000. In most cases, this wouldn’t be enough to total a new vehicle, but hail damage in Colorado has been significant enough to cause times where a new vehicle is required.

  • Average Hail Damage Insurance Cost For A Used Car: Considering the average hail damage claim is around $3,000, it's possible that a used car could become quickly totaled after a massive storm. Having comprehensive insurance coverage ensures that the owner receives compensation when a new vehicle is needed.

close up of a car insurance policy with a key laying on the top paperwork

Out-Of-Pocket Cost if Your Vehicle is NOT Covered For Hail Damage

If you don't have comprehensive coverage on your vehicle, you will be responsible for paying the entire hail damage repair bill. This could be $3,000 or more after a significant weather event.

  • Average Hail Damage Cost For A New Car: Small dents are typically removed for between $30 to $50 each, while medium-sized dents can cost up to $60 to repair. Obviously, the larger dents are going to cost the most, at up to $100 each. After a significant hail storm, your new car could be looking at a lot of repairs. If the vehicle were to be totaled, you would need to purchase a new vehicle.

  • Average Hail Damage Cost For A Used Car: It costs the same amount to have hail damage repaired on a new or used car. The difference is that less damage has to be done to declare a used car a total loss, which means you would be hunting for a new vehicle instead of looking at hail repair in Colorado Springs.

Hail Damage Repair in Colorado Springs

At Phil Long Collision Center, we have the latest tools and skilled technicians that know how to restore your vehicle to pre-hail times. Whether you only need some minor repair or your vehicle endured a massive storm, we can help. Talk to our team today about your insurance coverage options, and we will help get you back on the road in style.


Phil Long Collision Center

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