Auto Insurance for Hail Damage

It’s that time of year when hail can take a toll on your vehicle, and if you’re living in Nebraska, you might want to pay extra attention. According to recent data, Nebraska is the 3rd state with the most hail claims. How can you ensure that both your vehicle and your wallet stay protected this season? The answer is comprehensive insurance.

What type of insurance covers hail damage?

Comprehensive insurance is a very common type of insurance that covers hail damage. While it may cost a little extra overall, it provides you with the peace of mind that if hail strikes, you won’t have to pay for the damage all on your own. In addition to hail damage, comprehensive insurance also covers fire, floods, vandalism, theft, crashing into animals, and falling objects. If you live in the Midwest where severe weather is common, having comprehensive insurance could prove to be extremely beneficial.

Is it worth making a claim?

In the aftermath of a damaging hailstorm, many vehicle owners face the difficult decision of whether or not to file an insurance claim for the resulting damage. With deductibles to consider, it may be a challenging choice to make.

A deductible is the amount subtracted from your claim check, meaning that you are responsible for paying this amount out of pocket before your insurance kicks in. This is an important factor to consider when deciding whether to make a claim for hail damage. If the cost of repairs is less than your deductible, it may not be worth filing a claim as you will receive no financial assistance from your insurance provider.

For instance, if you have a deductible of $1,000, but the hail damage to your vehicle only amounts to $600, your insurance will not pay anything towards the repairs, and filing a claim would be ineffective. On the other hand, if you have a deductible of $500 and the amount of damage to your vehicle was $5,000, it would be worth filing a claim because you would be receiving $4,500 for the repairs. If the amount of reimbursement is significantly higher than the deductible, it is generally advisable to file a claim.

How do I file a claim?

A local body shop can evaluate your car and request a quote for repairs for your insurance company to also look at when you file the claim. First State Insurance Agency offers a variety of ways to file a claim – call your local First State Insurance Agency office, e-mail one of our experienced team members, or through our CSR24 online portal or mobile app. CSR24 guarantees a smooth and effective claims process which can be helpful during a stressful time such as damage from a hailstorm. First State Insurance agents are available to assist you and provide you with a quote. Visit our website at NEins.com to reach out to our team.

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