Every year, unexpected hailstorms cause significant damage to vehicles across the country. For those who park outdoors or get caught in a hailstorm while driving around, the repairs can be quite costly. As such, it’s essential to know whether or not your car insurance will cover this type of damage. Here’s an overview of what you need to know to ensure you’re adequately protected.

A Guide to Hail Damage & Car Insurance 

Liability vs. Comprehensive Coverage 

As in the majority of states, Iowa legally requires drivers to carry a minimum amount of liability coverage. However, this will only pay for bodily injuries and property damage someone else sustains should you cause an accident. Thus, if it’s the only kind of car insurance you purchase, you won’t be covered for hail damage. To be reimbursed for losses related to hailstorms and other inclement weather conditions, you must add comprehensive coverage to your policy. This is specifically meant to provide financial protection if your vehicle is damaged by anything other than a collision. Comprehensive coverage will help repair or replace your car if you file a claim for hail damage.

Why It’s Important to Get Your Vehicle Repaired

Hailstorms can cause a significant amount of damage to a vehicle, especially if the stones are large, and the impact is substantial. It can break windows, leave dents in the bodywork, and even damage the engine. If your vehicle is still operable and the damage seems minor, you may be tempted to forgo filing a car insurance claim and getting the necessary repairs. By leaving it as is, your vehicle’s resale value will decrease, and the dents could cause rust to develop. This can lead to more expensive repairs that your insurer might not cover. In turn, it’s best to have your car fixed right away.

If you’re concerned that you may be lacking proper coverage for hail damage or any other disaster that might arise, turn to Hummel Insurance Services for help reviewing your current policy. They offer a variety of high-quality car insurance products at affordable prices. Since 1945, these agents have remained dedicated to providing drivers throughout Pottawattamie County, IA, with customized solutions designed to protect their most valuable assets. Call (712) 482-6424 to set up an appointment or visit them online to learn more about their services.