“Hail damage is handled in different ways per your policy and insurance provider. Whether or not you are protected depends on the extent of coverage offered by your policy. If you purchased comprehensive coverage as opposed to liability, chances are you’re covered. However, speaking with your insurance agent will confirm this. Below we’ve listed some frequently asked questions, regarding hail damage repairs.
Will my insurance cover the damage or do I have to pay a deductible?
Deductibles are determined at the time you purchase your insurance policy. A comprehensive car insurance policy covers hail damage, whereas liability insurance will not accept a hail damage claim. If you have comprehensive car insurance you may have a deductible which is applied at each occurrence rather than yearly.
Some comprehensive policies offer optional glass coverage that will cover the repair costs without you having met your deductible but you will need to check with your insurance provider to see if your policy includes this option.”
Read more on insurance coverage for auto glass here.
Liability auto insurance is pretty much required in most states across the U.S. By contrast, comprehensive insurance is optional since it is for compensation in case of damage to your own property. Many drivers opt to save a few bucks on their policy by forgoing comprehensive coverage. However, if and when an accident occurs there is usually regret that they didn’t add this coverage to their policy.
Deciding on whether you should have comprehensive insurance is a personal decision. If you’ve sustained damage to your windshield or other auto glass that wasn’t due to the fault of another party, you might be on the hook for the entire bill. At Advantage Auto Glass we work with insurance companies as indicated on our faq page. Call us at 612-343-8984 with any questions and we will do our best to assist!