When signing up for auto insurance, you need a policy that offers complete protection for unexpected circumstances, whether you have an accident or incur damages from inclement weather. However, not all policies cover the same instances, which is why you should extend the coverage if you experience high winds or hail regularly. Below is more information to help you get the necessary coverage.
Does Auto Insurance Cover Hail Damage?
Auto insurance is available in different tiers, with comprehensive and liability being the most common options. Comprehensive coverage offers all-around protection for many situations, including accidents, animal damage, and body or glass repair due to storm damage. This coverage can help you fix any dents or shattered glass that hail causes.
On the other hand, liability coverage offers minimal assistance for storm damage. It usually only covers property damage or medical bills for another driver when you’re at-fault during an accident.
If you have comprehensive coverage and sustain hail damage, file an auto insurance claim as soon as possible. This triggers the damage assessment process where your provider will determine how much it will cost to fix the car.
How Can You Protect a Vehicle?
One of the best ways to prevent hail damage is to be proactive in avoiding it. For example, check the weather whenever a storm is in the forecast to see if hail is expected. If so, park your car in the garage or under a covered driveway to prevent the hail from reaching the vehicle.
If you don’t have covered parking available, invest in a padded car cover. This is a thick material that helps to absorb the blows of hail or fallen limbs. When you’re already driving and find yourself in a hail storm, pull over to the side of the road to reduce the force of the impact.
If you need auto insurance to protect your investment for all circumstances, contact 1st Choice Insurance in Fairfield, OH. This family-owned and -operated agency will help you find an auto policy tailored to your specific needs, whether you are a high-risk driver or want coverage for storm damage. For more information about their policies, visit them online. Call (513) 860-0666 to schedule a consultation.