Unless you live in a remote area that hasn’t seen a single hailstone in months, chances are you’re already familiar with the term “car insurance.” Car insurance is one of those necessary evils that we all have to deal with at some point – and while the cost of car insurance varies from state to state, it’s generally pretty expensive.
What is Hail?
Hail is a type of winter weather precipitation that falls from the atmosphere as small ice pellets. Hail can be destructive to cars, which is why it’s important to understand how hail damage can affect car insurance rates.
Hail coverage typically includes damages to your car that are caused by ice pellets that fall from the sky. These pellets can cause scratches on your car’s paint, dents, and broken windows.
Most states require insurance companies to cover hail damage at a certain percentage of your car’s value, so it’s important to know exactly what is covered before you file a claim.
If your car has been damaged by hail, make sure to contact your insurance company as soon as possible so you can get the maximum amount of coverage available.
The dangers of Hail
Hail can be a dangerous weather condition for cars. Here are five things to keep in mind if you live in an area that experiences hail.
1. Hail can damage your car body, engine, and windshield.
2. Hail can cause your car to stop in traffic, which can lead to an accident.
3. Hail can damage your car’s electrical system, which can lead to a loss of power and possible injury.
4. Hail can cause your car’s paint job to peel or crack.
5. Hail can make it difficult to see the road ahead and increase the risk of getting into an accident.
How Hail Damage Raises Car Insurance
Hail can cause major damage to a car, and in some cases can lead to high car insurance rates. Many factors go into determining how much your car insurance will increase due to hail damage, but the main factors are the severity of the hail damage, how long it takes to repair the car, and the type of coverage you have. If you have comprehensive or collision coverage, your rates may increase even if the damage is only minor.
Conclusion
Hail damage can raise car insurance rates, but it’s important to keep in mind that not all hail damage is created equal.Damage caused by large hail stones that break the windshield or window panes will typically result in higher premiums because these accidents are more likely to cause serious injuries. Smaller hailstones that don’t do any major structural damage aren’t as likely to trigger a policy increase, but they may still cause cosmetic damages such as dents and scratches. If you live in an area prone to severe thunderstorms or if your car has been damaged by hail in the past, be sure to talk with your car insurance provider to see if there are any specific guidelines or limits governing how much your coverage will increase for hail damage.