Does Car Insurance Cover Hail Damage?

When it rains, it pours! And, on occasion, the hail starts falling too. If you want to ensure that your new or pre-owned Mercedes-Benz is protected, you’ve probably wondered, “Does car insurance cover hail damage?” The answer depends entirely on the kind of car insurance that you’ve purchased for your vehicle. While options like liability insurance and GAP insurance don’t cover hail damage, comprehensive insurance does.

What Does Full Car Insurance Cover?

In Scottsdale, Mesa, and across the state of Arizona, drivers are required to have liability insurance. However, if you’ve been asking yourself, “Does insurance cover hail damage to a car?” you’ve probably considered options. Full Coverage Auto Insurance is one of the most popular, because it includes liability insurance, collision insurance, and comprehensive insurance in one simple plan. What does full car insurance cover? Take a look at each component here:

• Liability Insurance
  • Liability insurance is required because it protects other parties in the event that you cause an accident. It pays out to injured parties, and to the owners of damaged property, but it does not pay for damages to your own vehicle.

• Collision Insurance
  • Collision insurance is similar to liability insurance, but instead of covering another driver, it covers damages to your own vehicle. It also covers any injuries that you incur as a result of the accident, even if you’re the driver at fault.

• Comprehensive Insurance
  • Does insurance cover hail damage to a car? The answer is yes, if you have comprehensive insurance! This type of coverage is designed to protect against damage caused by other factors, including fire, weather, fallen trees, theft, and more.

How to Prevent Hail Damage

What if you don’t have the right kind of insurance? Take these steps to protect your car against hail damage and avoid the costs of dent repair:

• If you don’t have a garage where you can park your car during a hail storm, consider purchasing a temporary carport. Many are available for less than $200, and they usually don’t take long to set up.
• Set up your phone or preferred weather app to send you emergency weather alerts. Timing is everything when it comes to preventing hail damage, and the driver who acts fast is more likely to save.
• Perhaps surprisingly, car covers and blankets can actually do a lot to limit the damage caused by hail! You might still notice a few dents and dings, but after all, every little bit of protection counts!
• If you’re on the road near Fountain Hills or Cave Creek, and you notice falling hail, pull over right away and get under cover. A local parking garage is a perfect option.
• In an emergency, you can remove your carpeted or rubber floor mats and use them to protect against dents and scratches. Just make sure to let them dry before you put them back in your vehicle!

Mercedes-Benz of North Scottsdale is Your Source for Tips–and Collision Repair

Have you recently suffered from hail damage? Now that you’ve answered the question, “Does insurance cover hail damage to my car?” you might be ready to schedule repairs! In that event, you’ll want to trust our Phoenix Mercedes-Benz collision center to bring your vehicle back to its original factory-fresh condition.

Do you have questions about our services? Perhaps you still have questions about your insurance coverage. Find out if car insurance covers the car or the driver, or continue your research in person. Either way, you can contact the Mercedes-Benz of North Scottsdale team or visit our financing center to get the help you need today!