Insurance Coverage For Hail Damage

Does My Insurance Cover Hail Damage?

Today we are going to discuss the types of insurance and which insurance coverage is for hail damage. Also what is all covered for the different types.

 

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Insurance Coverage

Do you have the proper insurance for hail damage coverage?

Do you  have “full” Coverage? If so you are good to go. What exactly is “full coverage” insurance? Full coverage insurance covers all the bases for vehicle repairs. There are 3 parts to insurance for full coverage.

Collision Insurance

This insurance covers if you were to hit someone or if someone hits you. In South Dakota you must have un-insurance motorist insurance and this will help you in the case of you getting hit by someone without insurance. This has other policies that are all lumped together.

Comprehensive Insurance

This insurance type is what you need to cover hail damage. This covers any natural causes such as storm damage, trees falling, falling snow off of a roof for instance. It also covers if you were to hit an animal like a deer for example.

Liability Insurance

This is for all medical bills whether it be you, a passenger or another motorist. This is the insurance that covers all of those unfortunate injuries from a collision.

 

I have Comprehensive Coverage and Hail Damage, Now What?

 

Your First Step

First off if you were caught in the storm and in the vehicle we hope everything is ok. It can be a very terrifying experience when hail comes pounding down on your vehicle and you and your family are inside the car. Once the storm stops be sure to contact your insurance company and let them know you have hail damage. From there they will give you a claim number.

Step Two

Once you have the claim number you just need to bring the vehicle to the shop of your choice and have them handle it from there.

Your insurance company has NO SAY in who is to repair your car, again, this is very important and often misunderstood. Your insurance company has no say in who can repair you vehicle.

There is no need to get multiple estimates or anything like that. Ultimately the full repair costs will be gone over between the shop fixing the car and your insurance company. After the shop and your insurance company have finished all of the paperwork and processing your vehicle repairs will then begin. If you are working with us you will get daily updates on any of the processing and repairs.

Step Three

Pickup your vehicle dent free! Its that simple. We are here to make this very inconvenient experience all better and make your hail damage problems go away.

 

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