Getting caught in a storm is never any fun. It’s frustrating, unsafe, and can cause severe property damage. And it can be terrible for your car, too. Moreover, getting caught in a hailstorm can cause car accidents. Hail damage can occur even if you just parked in the wrong spot. However, an excellent way to deal with hail is to prevent it from ruining your car before it even has the chance. Preventative steps including reading a trusted news source to get the most accurate storm and hail predictions, and checking that you have comprehensive car insurance to ensure you have the best type of coverage.
It’s also essential to protect your car against storm damage. Don’t park under trees, and drive slowly during a storm. Keep an emergency phone number handy in case of a car accident. If you have a garage, invest in good garage doors. Forget stainless steel and faux wood garage doors. You can get modern wood garage doors in contemporary designs that will look fantastic. After all, nothing can beat the beauty of natural wood. Wood garage doors can also prevent storm and hail damage.
However, despite your best efforts, you could end up with car damage due to a surprise hail storm. The good news is that it’s not too difficult to handle. Read on to see what you should do if your car gets damaged by hail.
Make sure your car insurance covers it.
You should ideally do this before your car has any damage. However, it’s good to double-check your insurance policy, whether it’s before or after a disaster. Your insurance company may already offer this type of coverage if you live in an area prone to natural disasters. However, all insurance providers do not cover hail. Research the types of insurance to find the best one. Think about whether or not you need comprehensive coverage or collision insurance. Do you already have liability insurance and collision coverage? When it comes to hail, the best type of coverage is comprehensive car insurance.
The deductible for hail is like any other natural disaster. Insurers calculate deductibles when you purchase car insurance, not after the hail damage. So, you can negotiate with an insurance company to get discounts on the auto insurance policy. You should check all the specifics. These include the deductible amount and any optional coverage that may be available. If you’re still confused, search online. You can check for discounts and compare comprehensive car insurance with iSelect. It will help you to ensure that the quotes you get from auto insurers are accurate.
Assess the damage.
Whether you have comprehensive car insurance or liability insurance, assess the damage yourself. If you have any experience fixing cars, minor hail damage repairs should be no issue for you. You can also get a dent removal service instead of filing an insurance claim. However, this is only possible if there is minor, cosmetic damage.
Remember that hail can damage more than the body of your vehicle. Often, even the best auto body repair shops will not be able to help you out. Additionally, hail damage can also void the warranty of your car. If you don’t think you can assess the internal damage yourself, it’s best to speak with an expert.
Don’t rush to claim insurance.
It’s great to have auto insurance. It can protect you from natural disasters, vandalism, and car accidents. And, if you can’t fix hail damage yourself, it can help you there too. However, don’t rush to file a claim. There are things to consider before you file a comprehensive claim. Find the average cost of repairs and the car’s actual cash value. Some insurers only give you an estimated repair cost. Sometimes, this is after they minus the deductible. If the damage is only cosmetic, consider your options before you file your claim.
Remember, if you plan to sell your car, it’s a good idea to get repairs done to keep the car’s value up. If you took out an auto loan, your lender might require you to do this as well. You may have to wait a while after you file your claim to get repairs done. It may take longer during a hailstorm when there are other insurance claims they’re also dealing with. Consider whether filing a claim is a good idea before you do so.