Hail Damage and Auto Insurance Policies
Car damage can happen in several ways. The damage can either be extensive or minimal. Most auto insurance policies will cover damage such as a dented bumper or deep paint scratches. What about hail damage you ask?
If you live in a state that is more prone to have hail storms, chances are your vehicle will have dents and dings. The thing about hail storms is that your car can suffer damage in more than one place and repairing it can cost a lot.
Most auto insurance policies do not cover hail storm damage, especially if you have purchased a liability only insurance cover. One thing we can agree on is that the weather is unpredictable, and insurance companies do not want to go through losses. Claims related to wind and hail damage on a national basis during the past five years accounted for almost 40 percent, which is approximately $15 billion of all insurance losses and increasing each year.
Storm damage and hail are covered by auto insurance companies that have listed comprehensive coverage. The catch is that you have to add the coverage in good time before the storm or hail damage occurs. If not, then you will be liable for all the damage that happens to your car.
Cars today are made of a much lighter material and better technology; therefore, even the smallest kind of damage can cost you a pretty penny. Auto body repair for hail can cost about $100 per dent. If you have dents and dings on your roof and hood, the hail damage repair costs can be quite expensive.
Luckily, dent and paint repair have been made easier when it comes to hail damage. As you know hail damage causes several minor dents emphasis on the minor. Paintless dent repair is auto dent repair where pressure is applied at the back of the dent to push it forward, restoring the body as it was. This method rarely damages the paint, which cuts down the cost of auto body repairs.
If you live in Oklahoma, consider getting your car repaired at a local dent and ding store Oklahoma City trusts. Since hail damage classifies as minor dents, most auto repair shops such as dent and ding store Oklahoma City don’t require you to go to their location. Minor dents don’t need large tools, and since there is no paint job, the repair can quickly be done on your parking lot. It is also best that you talk to a repair shop such as dent and ding store Oklahoma City to first of all come and access the damage on your car.
So the big question is, should you file a claim to repair hail damage on your car? We suggest that you do the math first. You might have comprehensive coverage but consider the deductible and the value of your vehicle at that particular time. If your car is old with a value of $2500 and your dent repairs, cost $2000, and you have $1000 deductible then claiming insurance might not be worth it.