No you aren’t, however… When you own your car outright with no liens You aren’t required to have your hail damage repaired whatsoever. The only problem is that when your car gets hit again with hail, you won’t get paid twice on the same hail damage. Your insurance company will subtract your first insurance claim … Read more
When you have comprehensive insurance Call your insurance agent to report the hail damage. Your insurance company will provide you with an adjuster who will look at your vehicle to estimate the costs of its hail damage. You DO NOT need to take your car around getting estimates. That is how it worked years ago … Read more
Many auto hail damage customers are confused about auto hail damage deductibles. Your insurance company merely subtracts your deductible from your insurance check. You don’t have to pay anything to them up front. As an example, when your insurance company determines that you have $2500 worth of hail damage, and you have a $500 deductible, … Read more
After the hail storm that slammed St. Louis and Louisville on April 28th, you can imagine that the insurance companies are pulling out all the stops in trying to minimize the impact to their bottom line. We’ve already discussed why it pays to file a claim, even when your damage is minimal, and the possibility … Read more
Don’t Worry – It’s Just Part of the Process We see it all the time – insurance estimates that don’t come close to covering the costs of repairing your car’s hail damage. Probably over half of the cars we see have been adjusted too low. Many insurance companies lowball your hail estimate on purpose. They … Read more
Three Reasons to File a Hail Damage Claim on Your Car Hail Damage claims do not raise your insurance premiums. Your insurance premium is already elevated, spread out among everyone in a city that is prone to damaging hail storms. So, if you live in Austin, Texas, your insurance premiums are already higher because your vehicle … Read more
Short answer? No. No, your auto insurance company shouldn’t be able to deny your claim just because your car wasn’t in your garage. If you have comprehensive coverage on your vehicle, then its hail damage is covered, minus your deductible.
You don’t need to pay your full deductible when repairing hail damage. Find the shop of your choice and negotiate. If you take your car in to a body shop and they would like you to pay your deductible, walk away and look for a better option. There are a few of exceptions to this … Read more