The average hail claim totals around $3,000. While light hail damage might cost less than your insurance deductible, getting heavy damage might total your brand-new vehicle, leaving you with no choice but to file a claim. For car insurance companies to declare a car totaled, the total-loss threshold must be met. Total-loss threshold is when insurance companies must legally state the car is totaled. The hail damage repair cost estimate must equal a certain percentage of the car’s total present value. In Colorado, the hail damage repair cost must be equal to 100% of the car’s present value.