Hail and Car Insurance: What’s Covered and What’s Not?
In the blink of an eye, hail can cause all sorts of damage to your home, your garden, and your vehicle. When it comes to your car, you’re probably wondering if insurance covers hail damage.
Here’s what you need to know about hail and car insurance.
Basic car insurance and hail
Each state has a minimum amount of insurance its drivers must have.
For example, in Delaware drivers need to have:
- $15,000 of liability insurance for bodily injury to one person
- $30,000 of liability insurance for bodily injuries to all persons
- $10,000 in property damage liability coverage for any one accident (As well as uninsured/underinsured motorist coverage with the same 15/30/10 limits)
- $15,000 in first-party benefits medical payments (personal injury protection) per person, and $30,000 per accident
If you only have this minimum insurance, you won’t be covered for hail, collisions, or other forms of damage to your vehicle.
That’s just one reason many drivers choose to add comprehensive and collision coverage to their policy.
When it comes to hail damage, comprehensive insurance is the one to know.
Comprehensive insurance and hail
With comprehensive insurance, you’re giving yourself a form of financial protection from damage to your car from things other than collisions.
In addition to hail damage, this could be:
- Other falling objects like rocks or trees
- Damage from animals
- Windshield damage
- Fire damage
How much is comprehensive insurance?
If you want to protect yourself from the cost of hail damage but you’re also concerned with paying more for comprehensive coverage, consider this: the cost of repairing hail damage is almost always more than it would cost you to buy comprehensive insurance. Especially considering hail damage can be severe enough to total a vehicle.
When you work with the right insurance company, you can balance the appropriate level of insurance with a policy that’s priced so you can afford it.
Give Rueter Insurance a call today so we can find just that policy for you!