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A Mini Guide To Using Your Insurance To Pay For Auto Hail Repair

You do everything you can to protect your auto from the elements, but bad weather happens. A hail storm can happen at any time and they can seriously damage to your automobile.  Regardless of whether your auto has been damaged by only a few small hail stones or baseball sized stones, your first thought will probably be to find a local auto hair repair company to fix the damage. This mini guide will provide you with information about using your automobile insurance to cover auto hail repair for your automobile.

Does Your Insurance Cover the Repairs?

The first step is to review your insurance policy to determine if it covers hail damage repairs. Automobile insurance policies typically provide comprehensive or liability coverage. Most comprehensive policies provide protection against all types of accidents, including non-collision related damages, such as hail damage. Whereas, liability policies generally only covers the damages other vehicles that you are involved in a crash with, so it will not cover the cost of repairs for hail damage. If you aren't sure if your policy is comprehensive or liability, contact your insurance agent immediately after noticing the damages.

If you do have comprehensive coverage, you still need to speak with your insurance agent to determine if the damage sustained will be covered. For instance, if the cost of taking the vehicle to an auto hail repair company isn't enough to cover the deductible, the policy may not cover the cost. So, if you have not met your deductible or the damages aren't severe enough to warrant you paying the deductible, you may have to pay for the repairs out-of-pocket. If your insurance will pay for the auto hail repairs, there are a few steps you need to take, including:

  • File the claim-Be sure to take several photos of the damaged areas and include as many photos as you can with the claim form to the insurance company.
  • Contact an auto hail repair company-Check with your insurance agent to determine if there are restrictions for auto repair shops you can take your car to. Some insurance companies may also provide you with a list of recommended body shops. Be sure to get as much information as possible, including comprehensive estimates to submit to the insurance company.
  • Getting an Assessment-The final step in filing an insurance claim is getting an assessment from the insurance company. Auto hail damage repairs can be expensive, so your insurance agent may attempt to offer less for the repairs. If your policy covers the damages and your deductible is taken care of, don't hesitate to show the adjuster all of the estimates provided by the auto hail repair companies to demonstrate the amount required for the repairs.

When searching for an auto hail repair company, keep in mind that the cost may vary significantly depending on where the damages are and the extent of the damage. For instance, if there are several large dents on the hood of your car, you can expect to pay a fixed price per dent as opposed to a flat fee specifically for hail damage.

Talk to a business like Auto Hail Repair Group for more details.