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Can I file a claim for hail damage if I only have collision coverage?
Does collision coverage include hail damage? I removed comprehensive coverage off my policy a few months ago to save some money. And just my luck, we had a hail storm a few days ago. Is it possible that I'm still covered?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Sorry, that is pretty bad luck.
Comprehensive coverage
is the coverage you would need for hail damage.Collision coverage
protects you if your car was involved in an accident with another vehicle or object.Depending on the extent of the damage, there are plenty of DIY ways to fix minor dents to your car. Most of them can be found on YouTube or Wikihow.
If your car has extensive damage, take it to a professional for repairs. The average cost to fix hail damage that needs paint repair is $6,543.
In the future, it could save you more money to keep comprehensive coverage and just increase the collision deductible on your policy. The higher the deductible, the lower the cost of the coverage. But always make sure the deductible you choose would be financially within your reach at the time of a loss.
Another option is looking for a different insurance provider that can offer comprehensive and collision coverage at a more affordable price. This is where
Jerry
can help! Jerry is an app that shops prices with over 50 different insurance companies and delivers the lowest rates straight to your phone in seconds. With Jerry, quoting several different coverage options to find what suits you best is a breeze!”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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