Ironically enough, the summer months are a common time for hail. Who would have thought that frozen chunks of ice could plummet from the sky when it’s supposed to be sweltering outside? If your car lives outside and doesn’t get parked in a garage you might wonder – does Atlanta car insurance cover hail damage? It’s a fair question. Hail can wreak havoc on an unsuspecting vehicle. We’ll explain what you need to know.
Does car insurance cover hail damage?
Well, it depends on what coverage you have for your vehicle.
If you have comprehensive coverage, yes – you’re probably covered for hail. But if you only have liability coverage for your car, you would not be covered for hail damage to your car. That’s because your liability coverage doesn’t cover your car. It’s meant to protect other drivers on the road from you.
There are two portions of liability insurance:
Bodily injury liability – Covers the other driver’s medical bills and pain and suffering if you’re at fault in an accident.
Property damage liability – Covers the repairs or replacement of the other driver’s car if you’re at fault in an accident (as well as other property you might damage with your car.)
Basically, liability helps cover your legal obligation to the other driver if you’re at fault in an accident. It can help you cover your legal expenses if you get sued, too. It’s your financial safety net if you’re ever in an accident where you’re at fault.
It’s not, however, your financial safety net if your car gets damaged by something like hail.
But like we said, if you have comprehensive coverage, you’re generally covered for hail damage. Hail damage can get really expensive because it pummels your entire vehicle, but comprehensive coverage can help cushion the blow.
What is comprehensive coverage?
Comprehensive coverage can help repair or replace your car if it’s damaged by something other than a collision (there’s another coverage for that, which we’ll explain in a minute.)
Losses covered by comprehensive coverage typically include:
- Animal strike (i.e. hitting a deer)
- Falling objects (i.e. falling trees)
So, yes, if you have comprehensive coverage, you should be covered for that unfortunate hail damage and you won’t have to cover all the damage on your own. You’ll probably be out your deductible, though, but better than having to foot the whole bill, right?
Now, we mentioned coverage that can help you repair your car if you’re in an accident. That coverage is collision coverage (appropriately named, right?) It goes hand-in-hand with comprehensive coverage.
What is collision coverage?
Collision coverage is the insurance that can help you repair or replace your car if it’s damaged in a wreck (or if you run into something.) Since liability coverage doesn’t protect your car, it won’t pay to repair or replace your car if you’re at fault in an accident. That’s why collision coverage is so important. It’s a way for you to protect your investment in your car.
Am I required to have collision or comprehensive coverage?
If you have a car payment, your lender may require you to carry both collision and comprehensive coverage. They want to protect their investment in the vehicle. That car is valuable, after all! And things like hail damage aren’t cheap. Make sure that you have the insurance your lender requires.
So, if you have comprehensive coverage, yes – you should be covered for hail damage. But if you only have liability coverage…unfortunately, you’re probably not covered.
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