The Hail Shop USA

Auto Hail Repair Denver

Does liability auto insurance protect you from hail damage?

I have liability auto insurance, is hail damage covered?

Unfortunately, no. Liability coverage is will only cover the damage to the property of others or injuries to anyone that you caused with your vehicle.

Auto hail damage to your vehicle is will only be covered either by a complete collision or comprehensive insurance coverage. A collision coverage policy is pretty self-explanatory – it pays for damages if your moving vehicle hits something or if another moving vehicle hits your vehicle. A comprehensive coverage policy covers virtually everything else, including fire, theft, vandalism, hail damage, wind, flood, falling or flying objects, etc. A collision caused by an animal or with an animal is also covered.

Comprehensive coverage also typically covers glass breakage even if caused by a collision. This also means if your windshield is cracked or broken due to a hailstone, this damage will be covered.

Should I get full coverage or comprehensive insurance coverage?

If you live in tornado alley or anywhere hail storms are a common occurrence, then yes. In McKinney, TX, where The Hail Shop is headquartered, auto hail damage is almost a yearly occurrence – oftentimes more. Better yet, if you have a vehicle that you don’t want to be hail damaged or you don’t want to pay for the hail damage to be repaired, get comprehensive coverage.

Hail damage & Comprehensive Insurance Coverage

My vehicle has hail damage, now what?

If you’ve never filed an auto hail damage claim before and are wondering how it works, this is the article for you.

Top Hail Damage Claim Questions

  1. Is hail damage covered by my insurance policy?
  2. Do I find a shop to fix it?
  3. Does the insurance company just cut me a check for the damages?
  4. After a hail storm, do I call my insurance company first or a paintless dent repair shop?

Top Hail Damage Claim Answers

  1. Hail damage is covered under the “comprehensive” coverages section of your policy. If you do not have comprehensive coverage, auto hail damages might not be covered. Call your insurance company to be sure.
  2. After you report the hail damage, your claims agent might recommend a paintless dent repair shop where you can get the hail damage removed. If they do not, searching Google for a paintless dent repair near you will be your best bet. Before hiring a PDR company, make sure you check the reviews on Google Business. This is a great way to find out about other people’s past experience with the company. If you are in McKinney, TX and need paintless dent repair, we specialize in auto hail repair.
  3. In most cases, your insurance company will cut a check that is made payable to both you and the paintless dent repair shop minus the deductible. At The Hail Shop, we cover the deductible with any complete auto hail repair.
  4. If it was a HUGE storm and several cities and thousands have been affected, get your hail damage claim started now.  Paintless dent repair shops will fill up fast and the insurance adjusters will be extremely busy. Most of the larger insurance companies are bringing in extra temporary staffing to help with the overwhelming number of losses. You might be asked to take your car to an assigned location where adjusters will be set up at a drive-in claim center to inspect many vehicles.

Will hail damage show up on my vehicle title?

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THE HAIL SHOP

Will my vehicle’s title be affected?

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Get an Estimate for the Auto Hail Damage

First, you will need to get a hail damage estimate so you can to make an educated decision as to if you want to pay for the damages out-of-pocket (if the hail damage cost is lower than your deductible) or if you want your comprehensive insurance policy to cover the damages. Your comprehensive coverage will pay for the damage minus your deductible.

[fusion_highlight color=”#ffeb3b” rounded=”yes” class=”” id=””]The Hail Shop will cover your deductible if the damage exceeds your deductible by at least 20%.[/fusion_highlight]

In most cases, auto hail damage will exceed your deductible.

At $50-$100 per dent repair with paintless dent repair, it adds up pretty quickly.

If it has been determined by your insurance agent that the hail damaged vehicle can be repaired, you will have not a problem with your title – as long as you get the damage repaired.

Insurance companies prefer the paintless dent repair method for auto hail repair because it will not only remove the dent completely, the factory paint warranty will stay intact.

When will my vehicle’s title be affected?

The only time your vehicle’s title would become an issue is when the hail damage is so extensive that the cost of paintless dent repair (or any other damages such as broken glass, bent metal)  would exceed the value of the vehicle. If the vehicle is considered “totaled” you would have the option of getting a new vehicle, once again under your comprehensive policy, should you decide to keep the vehicle.

In conclusion, get a free estimate from The Hail Shop or your insurance agent (no matter, you will have to get both) and see if the cost to repair the auto hail damage exceeds your deductible before deciding on paintless dent repair or not.

The vehicle’s title will stay clean as long as the vehicle is not a total loss.

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Hail damage claim deadline

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THE HAIL SHOP

How long do I have to file an auto hail damage claim?

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How long do I have to file a hail damage claim deadline?

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If you live in McKinney, TX or anywhere in the tornado alley, the sound of hail can be very frustrating and can also make you feel helpless.

Auto hail damage comes in many different forms. For instance, pea sized hail more often than not will not leave behind any damage on your vehicle.

Auto hail damage comes in many different forms. For instance, pea sized hail more often than not will not leave behind any damage on your vehicle. When you start seeing quarter-sized hail, this is when you will start to see dents and dings. They might not be visible at first glance but if you clean your vehicle and look at a surface (such as the roof) at eye level, you will probably start to see little dents that almost resemble pockmarks.

If you suspect you have hail damage, we suggest you contact your insurance company immediately.

Is there a hail damage claim deadline? Most insurance companies allow you up to twelve months to file a claim on hail damage.

What happens if my vehicle gets damaged in a 2nd hail storm before I get the first damage repaired? (learn more here)

Should I get my vehicle inspected for hail damage?

If you know your vehicle was exposed in a hail storm, then yes – it is advisable to get the vehicle inspected by a professional or by an insurance adjuster. Even if don’t see hail damage, it could be there.

The Hail Shop offer’s free estimates that can be done at your location or ours. To schedule an appointment, call us at or schedule using our online form.

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How much does insurance pay for auto hail damage?

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Auto Hail Repair & Insurance Companies

Learn more about the cost of Paintless Dent Repair & your insurance company.

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Will my insurance cover hail damage?

So, your vehicle has some hail damage from the McKinney, TX hail storm couple weeks ago. Your insurance company quoted you a pretty steep estimate for repairs with a $1,000 deductible. We have heard time after time that hail damaged vehicle owners oftentimes consider not getting the hail damage repaired because of the cost.

How much does insurance pay for auto hail damage?

Your insurance company will pay for 100% of the auto hail damage minus your deductible if you have comprehensive coverage. McKinney vehicle owners are probably aware of comprehensive coverage, living in one of the yearly hardest hit areas in the nation.

That $1,000 deductible is enough to make some vehicle owners seriously consider living with the damage.

Unfortunately, when a vehicle owner decides to forgo the repairs and “live” with the damage, this isn’t the only decision you are making. In addition to living with dents, you are also greatly diminishing the resale value of your vehicle, you are inviting the possibility of rust damage where the dent damage is located, and more.

Pay nothing for auto hail repair at The Hail Shop

At The Hail Shop, headquartered in McKinney, TX, we understand that $500-$1000 isn’t always readily available at the time the hail damage happens. To help you make the right decision when it comes to getting your auto hail damage repaired, we will pay your deductible.

Easy. The answer is $0.

The Hail Shop: McKinney, TX Paintless Dent Repair Answer to Auto Hail Damage Repair

Schedule your free auto hail damage repair inspection online, drive your vehicle into our shop at 180 Industrial Blvd., Suite L, McKinney, TX 75069. You can also contact us by phone at 800-485-9026.

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