If you’ve ever walked outside after a storm and found your car looking like it lost a fight with a golf ball machine, you’re not alone. Hail damage is a common concern for drivers, especially in areas like Round Rock, TX, where unpredictable weather can roll in fast. At DGIA LLC, we’ve seen our fair share of hail-related claims, and we’re here to help you understand what your auto insurance policy really covers.
Comprehensive Coverage is Key
The short answer is yes, auto insurance can cover hail damage, but it depends on the type of coverage you have. If your policy includes comprehensive coverage, then you’re in luck. This part of your policy is designed to cover non-collision incidents, such as hailstorms, falling tree branches, theft, and vandalism. So, if a surprise storm pelts your vehicle with ice, comprehensive coverage will typically cover the cost of repairs, minus your deductible.
What If You Only Have Liability?
If your policy only includes liability coverage, unfortunately, hail damage won’t be covered. Liability insurance is focused on protecting you if you cause injury or property damage to someone else, but it doesn’t help when Mother Nature goes rogue on your own vehicle. That’s why it’s important to review your coverage regularly, especially before hail season hits.
Don’t Wait Until It’s Too Late
Hail damage can be more than cosmetic. Dents and cracks can lead to long-term issues if left untreated. At DGIA LLC, serving Round Rock, TX, we recommend checking your policy now so you’re not caught off guard later. If you’re unsure whether your current coverage includes protection from hail, reach out today. Our team is here to answer questions and ensure you’re prepared, rain or shine.
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