Does Full Coverage Car Insurance Cover Hail Damage?

Hail damage car

Hailstorms can be a nightmare for car owners, especially if you live in an area prone to severe weather conditions. The Hail Expert, an auto hail repair business located in the Dallas Metroplex area, is well-acquainted with the havoc hail can wreak on vehicles. In this article, we will explore a common question that plagues car owners: “Does full coverage car insurance cover hail damage?” Let’s delve into the details and help you understand how your insurance policy may come to the rescue when your vehicle faces hailstorm-related damage.

Understanding Full Coverage Car Insurance

Before we discuss hail damage coverage, let’s clarify what full coverage car insurance entails. Full coverage typically includes two primary components: collision coverage and comprehensive coverage.

Collision Coverage

Collision coverage primarily deals with accidents involving collisions with other vehicles or objects. If you’re at fault in an accident or your vehicle sustains damage in a collision, this part of your insurance policy can help cover repair costs.

Comprehensive Coverage

Comprehensive coverage, on the other hand, is the more relevant aspect when it comes to hail damage. It covers a wide range of non-collision-related incidents, including natural disasters, theft, vandalism, and yes, hailstorms.

Hail Damage and Comprehensive Coverage

Now that we’ve established what comprehensive coverage includes, let’s focus on how it applies to hail damage.

1. Hail Damage Falls Under Comprehensive Coverage

When your vehicle incurs damage from hail, it is categorized as a comprehensive claim rather than a collision claim. This means that, in most cases, your full coverage car insurance should cover the cost of repairing the hail damage.

2. Deductibles Apply

Keep in mind that, like all insurance claims, comprehensive coverage for hail damage typically comes with a deductible. You’ll need to pay this predetermined amount before your insurance kicks in to cover the rest of the repair expenses.

3. Repair or Replacement

The extent of your coverage may vary depending on your insurance policy. Some policies may cover only repairs, while others may extend to covering the replacement of damaged parts or even the entire vehicle if it’s deemed a total loss due to hail damage.

4. Assessing the Damage

When hail damage occurs, it’s essential to assess the extent of the damage promptly. The Hail Expert, with its specialization in paintless dent repair (PDR), can help evaluate the condition of your vehicle and provide a detailed report for your insurance claim.

Factors to Consider

While comprehensive coverage typically covers hail damage, there are a few factors to keep in mind:

1. Policy Specifics

Insurance policies can vary significantly. It’s crucial to review your policy carefully and understand the terms and conditions related to comprehensive coverage and hail damage.

2. Deductible Amount

The amount of your deductible can influence how much you’ll pay out of pocket when filing a hail damage claim. Make sure you’re aware of your deductible and its impact on your claim.

3. Vehicle Value

The value of your vehicle and its current condition can also affect the outcome of your hail damage claim. Older vehicles may have limited coverage, so be sure to discuss this with your insurance provider.


In conclusion, full coverage car insurance often does cover hail damage under its comprehensive coverage component. However, the specific terms and conditions, as well as the deductible amount, can vary from one policy to another. To ensure you receive the maximum benefits from your insurance in the event of hail damage, it’s essential to be well-informed about your policy and promptly assess and repair any damage that occurs.

For professional auto hail repair services in the Dallas Metroplex area, consider reaching out to The Hail Expert. We specialize in paintless dent repair (PDR) and can assist you in evaluating and addressing hail damage.

Frequently Asked Questions

  – Yes, hail damage is typically categorized as an “act of God” event and falls under comprehensive coverage.

– Yes, in most cases, you have the freedom to choose where you want your vehicle repaired. However, working with a reputable repair shop like The Hail Expert can simplify the process.

 – Filing a comprehensive claim for hail damage typically doesn’t impact your rates as severely as at-fault collision claims. However, it’s advisable to consult with your insurance provider for specific details.

– Parking your vehicle in a garage or using protective covers during hailstorms can help reduce the risk of hail damage.

– Contact your insurance provider to report the damage and seek professional repair services like those offered by The Hail Expert to assess and address the damage promptly.

Please enable JavaScript in your browser to complete this form.
Scroll to Top