Does car insurance cover hail damage?

A severe hailstorm can quickly damage or crack your car’s windshield. Replacing dented body panels or a cracked windshield can cost you dearly if you don’t have enough car insurance.

According to data from one of the country’s leading insurers, the average car insurance claim for hail damage was over €4,000 per vehicle in 2020.

However, if you have full coverage under your policy, you won’t have to pay that much money, as it will usually cover hail damage. Unfortunately, if you don’t have full coverage, you’ll likely have to pay for repairs yourself.. Therefore, if you live in an area prone to hailstorms, it may be a good idea to purchase comprehensive car insurance with a lower deductible.

When does car insurance cover damage caused by hailstorms?

The most basic car insurance policy (i.e. minimum liability car insurance) does not cover damage caused by a hailstorm. To protect your vehicle against bad weather, it is best to opt for a comprehensive car insurance.

In addition to covering hail damage, comprehensive coverage will also help protect your car from other types of damage that does not result in a collision. This includes but is not limited to vandalism, theft and falling debris.

If you don’t have comprehensive auto insurance, your insurer won’t pay for the damage. Only comprehensive insurance can cover hail damage. Adding full coverage typically costs between 100 € and 300 € additional per year. When you know that a hailstorm can end up costing you thousands of dollars, this apparent overspending can really be worth it.

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