What To Do When A Storm Damages Your Car

There’s no doubt about it: hail is a big problem for car owners. It can leave dents, break windshields and cause all kinds of damage in a matter of minutes. For this reason, many car owners seek coverage for weather-related problems that arise.

What Car Insurance Does for Weather Damage

For all insured drivers, their car insurance plan contains collision coverage; this means that their car will be fixed or replaced in the event of an accident, minus the deductible.

Storm damage is not typically covered under collision policies. However, the comprehensive cover offers protection against weather-related damage like hurricanes, floods, fallen tree limbs, and hail storm vehicle repair Denver CO

Covered Repair Cost

The amount of comprehensive coverage depends on various factors, including the deductible, the age of the car, and the state in which you reside. Deductibles for comprehensive coverage typically range from $100 to $500 or more.

You are only covered for the cost of the repair or replacement, minus your deductible. This expense means that you will have to pay upfront for any damage until your deductible is met – at which point your insurance plan pays out.

Auto Damage Appraisals

To ensure you are not paying more than necessary on repairs, your insurer will conduct an appraisal before doing any work. The appraiser will look over the damage and let you know what they’re willing to pay out to cover the repair. Assuming the damage is deemed as a result of the storm, you will likely only have to pay your deductible, as comprehensive coverage generally pays for the entire repair bill.

Odds of Replacing the Vehicle

Insurance companies consider many factors when deciding to repair or replace your vehicle. If the damage is over a certain percentage of the value, companies will often declare your vehicle totaled. However, if there’s only minor damage, like scratches, small dents, or broken lights, your insurer may elect to fix your car.

If your car is totaled, you will receive the market value of your car minus your deductible. This payout can be used to buy a new vehicle, or you may choose to keep the money and go without a car.

No matter what, it’s essential to know what your policy covers in the event of a storm. By understanding the terms and conditions of your policy, you can ensure that you are taking the necessary steps to protect yourself from future damage.