What If My Car Is Totaled?

If the hail damage is too severe and the repair cost exceeds the car’s value, the insurance company may declare it a total loss. In this case, they will pay you the actual cash value (ACV) of your car minus your deductible.

How to Prevent Hail Damage in the Future

  • Park in a garage or covered area to protect your car during storms.

  • Use a car cover designed for hail protection.

  • Check the weather forecast and avoid driving during hailstorms.

  • Consider adding comprehensive coverage if you live in a hail-prone area.

Conclusion

Filing a hail damage car insurance claim is a straightforward process if you have comprehensive coverage. By documenting the damage, contacting your insurer promptly, and following the right steps, you can get your car repaired without unnecessary stress. Always review your insurance policy and take preventive measures to avoid future hail damage.

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