No matter where you live, hail damage can be a severe issue for most car owners, so it’s essential to understand what coverage options are available under your auto insurance policy. With that in mind, today we answer a common question: Does auto insurance cover hail damage? Keep reading to find out.
Does Auto Insurance Cover Hail Damage?
The answer to this question ultimately depends on the type of auto insurance policy you have. Comprehensive coverage can help pay to repair hail damage. However, liability-only coverage does not offer protection against this type of risk.
Comprehensive coverage covers damage that results from events outside of your control, such as hail, fire, and theft. So, in most cases, hail damage falls under the comprehensive coverage part of your policy.
With liability coverage, on the other hand, you only get protection against injuries or damage you cause to others.
It’s worth noting that in most states, the minimum auto insurance coverage mandated by law is liability only. For example, this is the minimum coverage required by California law:
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for damage to property.
So if you carry only the minimum level of auto insurance in California, you are NOT protected against hail damage.
Auto Insurance and Hail Damage: Some Useful Tips
It’s essential to read the fine print of your policy to ensure that it does cover hail damage. Some policies have restrictions on what is covered under the comprehensive portion of your policy, and hail damage may be excluded or come with higher deductibles.
It’s always advisable to review your insurance policy with your insurance agent to understand the coverage you have and any coverage restrictions.
For more answers to common auto insurance questions, check out our previous blogs, “How Much Auto Insurance Do I Need?” and “Full Coverage Auto Insurance in California: What You Need To Know.”
Delgado’s Insurance: Affordable Auto Insurance in California
If you need dependable and affordable insurance in the Golden State, look no further than Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (firstname.lastname@example.org), or through our social media accounts (Facebook, Twitter)!