Some people prefer not to file insurance claims. Why? Because insurance claims can take a long time to be resolved, make your rates go up, and often force you to pay an out-of-pocket deductible. Here are several factors to consider when you’re deciding whether to file a claim for hail damage.
Can You Fix Hail Damage on a Car?
Hail damage on a car is repairable with these methods:
- Body panel replacements
- Crack repair
- Paintless dent repair
While you can try to make these repairs yourself, especially if the dents are minor, we recommend filing a claim and going to a professional.
Average Hail Damage Claim
The average hail damage claim is around $3,000 to $4,000, based on these average repair costs.
- Small dent: $30 to $45
- Medium dent: $45 to $55
- Large dent: $75 or more3
Hail Damage Deductible
If you haven’t already met your comprehensive deductible, you’ll have to pay it before your insurance provider pays anything. The deductibles are around $500 on average. Once you pay the deductible, your insurance provider will cover the rest of the costs up to the comprehensive coverage limit you’ve selected. Learn how deductibles work and read our deductible frequently asked questions for more information.
How Much You’ll Get Covered
If your hail damage is covered, you’ll get a dollar amount between your deductible and limit back. So, if you have $10,000 worth of comprehensive coverage, $3,000 worth of hail damage, and a $500 deductible, you’d pay $500, and then your insurance company would pay the remaining $2,500. After that, it’ll cover up to $7,500 worth of comprehensive claims if you have any other damage, beyond which you’ll be responsible for additional repair costs out of pocket.
Will Filing a Hail Damage Claim Increase My Car Insurance Premium?
The good news? Filing a hail damage claim won’t affect your car insurance premiums as negatively as at-fault accidents.
The bad news? A hail damage claim will still likely cause your premiums to rise. The truth is that any comprehensive claim, even if the damage wasn’t your fault, suggests a higher likelihood of future claims, which impacts premiums. You’d do best to ask your insurance agent how much your premiums would rise after a hail damage claim.