Car hail claims are a common occurrence in certain regions. Hail can be devastating for anyone who has a car, and the cost of fixing a car that has been damaged is really high.
Does an auto hail claim raise insurance rates?
When it comes to your insurance rates, make sure you know the answers before filing a hail claim. Read on to learn more about how auto hail claims affect your insurance rates and what you should do before you file a claim.
What is an auto hail claim?
A hail claim is a claim for damage done to your car due to hailstorms. Hail can cause significant damage to your car, and the cost of repairing that damage is really high.
If you file an auto hail claim with your insurance company, your insurance rate will not go up because it’s classified as an act of god. But before filing a hail claim, it’s important to understand how auto hail claims affect your insurance rates and what you should do before filing a claim.
Does an Auto Hail Claim Raise Insurance Rates?
If your car’s been damaged by hail, you may be wondering if filing a claim will raise your insurance rates.
The short answer is that it depends on the severity of the damage.
There are three different types of auto hail claims:
-Claims for property damage only
-Claims for both property and bodily injury
-Claims for property, bodily injury, and uninsured motorists coverage.
A claim for auto hail damage only will not affect your rates. If you have other additional coverage, then you’ll need to check with your insurer to see how the claim will affect you. Claims for both property and bodily injury can increase your rates depending on the severity of the accident–keep in mind that damages like shattered windows or dented bumpers won’t typically cause an increase in rates. Claims for property, bodily injury, and uninsured motorists coverage might increase your rates because they cover more than just physical damage to your car; these could also include injuries caused by the accident or other costs caused during the collision. Collision and Comprehensive claims are different, filing a comprehensive claim will not affect your rates.
What to do if you have hail damage on your car
Conclusion
Your car hail claim won’t affect your insurance rates. You’ll want to know the answer before filing a claim.
No matter what type of vehicle you drive, there’s always a risk that it might be damaged by hail. If this happens to you, you should know how to handle the situation and what really happens when you file a hail claim.
First and foremost, if your car is damaged by hail, make sure to call us for an estimate as soon as possible.
After you’ve filed your claim, remember that you don’t have to use the insurance contracted companies like service king or caliber colission. You can contact Dent Mavericks for all your hail related needs.
