Whether insurance covers dent repair depends on the type of insurance policy you have and the cause of the dent.
If you have comprehensive auto insurance, it typically covers damages to your vehicle that are not caused by a collision with another vehicle. This includes damage from hail, falling objects, vandalism, deer and theft, among other things. If your vehicle has a dent that was caused by one of these covered incidents, your insurance policy may cover the cost of dent repair.
However, if your vehicle has a dent that was caused by a collision with another vehicle, you would need collision coverage to cover the cost of repairs. Collision coverage is an optional coverage that pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of who is at fault.
It’s important to note that insurance policies can vary, so it’s always a good idea to review your policy or speak with your insurance agent to understand what is and isn’t covered in your specific policy.
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.
Have more questions or have damage you would like repaired?
If you live in Sioux Falls, then you are no stranger to unpredictable weather. Hail is among the worst catastrophic weather you can face as a driver. If your vehicle was hit by hail, the first thing that comes to mind would be if your auto insurance will cover it. Luckily, if you’ve got a comprehensive coverage, then it can help you in paying for the hail damage repair. Unfortunately, if you only have car liability coverage, then the damage to your vehicle will not be covered.
How Does Insurance Deductible Works
Typically, comprehensive coverage comes with a deductible amount as most insurance companies require it. This is the amount that you need to pay when you file a claim. Your insurer will determine your deductible amount. However, you can also opt for a zero deductible, but you need to pay an additional cost. If you need Sioux Falls Dent Repair for your Auto Hail Damage Repair give us a call today!
Will Your Premium Increase
After finding Sioux Falls hail repair near me, your next concern would be if your insurance rates will increase. Fortunately, your insurance rates will not be affected by your hail damage as long as you have a comprehensive coverage. However, if your hail damage is only minor and the repair cost is less than your deductible, then it might not be worth making a claim.
How To File A Claim
The first thing that you need to do is to take some photos of the hail damage. Be sure to highlight the dents and dings. Afterward, you need to contact your insurance company and let them know that your car was hit by a hail damage. Explain to them the extent of the damage. Your insurer may send you a form online and inform you about your options. If you’ve decided to file for a claim, then you should start looking for Sioux Falls hail repair near me to get your free estimates.
When Should You File A Hail Claim?
Look for Sioux Falls hail repair near me then file a claim immediately. The time limit for filing a hail claim will differ in most insurance companies. Sometimes it can be within a year after the hail damage, or in some cases, it can only be within six months. If you failed to file a claim within the time limit, then your insurer may not be able to help you with the repair cost. We recommend filing your claim with the help of Sioux Falls Dent Repair. We can walk you through every step of the process, so you don’t need to deal with the hassle.
Sioux Falls Dent Repair can help you in filing a claim, simply call 605-595-4061.
