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Does Car Insurance Cover Hail Damage?

hail damage to the roof of a car


Severe storms in the New London area often bring the threat of potential hail damage to your car, truck, or SUV. It’s understandable then that many drivers may be wondering, “Does car insurance cover hail damage to my car?” It depends on what type of car insurance you have. You’ll need a comprehensive insurance plan in addition to your liability insurance to be covered for hail damage. Learn how you can get covered and more in this guide from the finance team at Westbrook Honda.

What Does Full Car Insurance Cover?

By law, all drivers must carry liability insurance on their vehicle. However, liability insurance only covers you if you are at fault in an auto accident on the Branford roads. Full coverage auto insurance, on the other hand, typically bundles liability, collision, and comprehensive coverage. Discover what each of these covers.

  • Liability Insurance: This is the minimum auto insurance that is required by law, and it provides coverage for injuries to another person during an accident in which you are at fault.
  • Collision Insurance: This covers the costs of damage to your vehicle in an accident, whether you are at fault or not.
  • Comprehensive Insurance: Comprehensive insurance will cover any damage to your vehicle that isn’t caused by an accident. This includes hail damage, fire, theft, and more.

So, does car insurance cover hail damage? If you have comprehensive insurance along with your liability insurance, yes, you will be covered for hail damage to your vehicle.

Ways to Prevent Hail Damage

If you’re wondering if car insurance covers hail damage to your car based on the policy you already have, you may want to know some ways you can prevent your car from sustaining hail damage in the first place.

  1. Keeping your vehicle in your garage is ideal. If you don’t have a garage, there may be temporary carports in the Middletown area that can provide protection from hail.
  2. Having a weather app on your smartphone allows you to keep track of storms so that you can be prepared.
  3. A car cover can help reduce potential damage from hail.
  4. If you’re on the road during a hail storm, you should pull over to the nearest available shelter, like a gas station or parking garage, as quickly as possible.
  5. If there is no shelter available, you can use your floor mats to lessen the impact of hail damage to your car.

Get More Car Care Tips from Westbrook Honda

Does car insurance cover hail damage? As we have explained, if you have comprehensive insurance along with your liability coverage, then you should be covered. Westbrook Honda is happy to offer car care tips, as well as advice on your auto finance and insurance options. Should you have any questions or want more information, please feel free to contact us.

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