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Is Hail Damage to My Car Covered by Insurance?
Many people make the common mistake of failing to understand the coverage they have from their car insurance. After a hailstorm, many car owners discover that their insurance policy doesn’t cover hail damage. To prevent this, learn more about your insurance coverage, and bring your vehicle to Southern Peak Auto Body shop in Colorado Springs, where we work with all insurance companies to better help our customers get the best repairs at the best prices! Read more here to understand insurance types that cover hail damage.
Hail Damage and Insurance Types
- Compulsory Third Party (CTP) – Every driver must hold a CTP, but it does not cover hail damage. It only covers the third party's death or personal injury.
- Third-Party Only – this covers damage caused by the policyholder to the third party's car or property. However, it doesn't cover repairs on the policyholder's car, such as hail damage.
- Third-Party Fire and Theft – Similar to the Third Party Only coverage, but has additional coverage for theft and fire on the policyholder's vehicle. This policy will not cover hail damage.
- Comprehensive Car Insurance – This is the best policy for any car owner seeking maximum coverage for their vehicle. It offers coverage beyond the previous three policies and will cover any damage to your car, including storm and flood damages.
Will My Insurance Cover Pre-Existing Damage?
Comprehensive Car Insurance policies may cover hail damage, but note that it covers only for future damages. Therefore, you cannot make any claims on the policy for hail damage received before the insurance policy was created for you.
Consider Extras
Discovering that your comprehensive insurance policy does not cover hail damage is never a fun experience, so before bringing your car for auto hail repair services, or before you even purchase your policy, ask if any extras are included in the policy. Extras include things that you think are less likely to happen, like damage due to earthquakes, or loss of business items. By learning more about your coverage and if it provides hail damage coverage, you’ll have peace of mind knowing your car is safe.
Regularly Review Your Policy
Most people purchase insurance policies then forget about them until it's time to make a claim. This can lead to unpleasant surprises, especially in the case of an incident. It pays to regularly review your insurance policy and notify your provider of any changes to your coverage needs or vehicle’s condition. Doing this will help ensure that you’re fully covered if ever you need to make a claim!
Southern Peak Auto Shop works with all insurance companies, and we’ll work to make sure that your insurance policy is correct and valid. Get a free walk-in estimate when you come visit us in Colorado Springs today!