Does Insurance Cover Auto Hail Repair In Denver?

When in Denver, you can always expect the weather to be unpredictable. That means you’ll be experiencing violent storms at any given moment which, can cause severe damage to your house and car, especially when it’s parked outside your garage. And as a result, your beloved ride is now pummeled with horrible dents (some as big and as deep as your fist) due to hail.

If this happens, then the next thing that you are going to do is to have your car repaired and bring it back to its immaculate condition. But the cost of hail damage repair can be staggering because the resulting damage is usually spread across the body of the vehicle. So your only hope is to let your insurance policy cover the cost of the repairs.

But does insurance cover auto hail repair in Denver? Stick around as we are going to give the answers in today’s blog post.

Taking A Closer Look At Your Coverage

The type of coverage that accepts auto hail repair in Denver actually depends on the kind of insurance policy you availed:

Comprehensive Coverage

Is hail damage repair covered by a standard insurance policy? Not usually, at least in most basic car insurance plans. But one plan that certainly covers this type of repair is comprehensive car insurance.

With this type of insurance, your vehicle is covered from falling objects such as tree branches, rocks, and hail. And it includes a lot more than what you normally get from regular car insurance. In fact, it covers your car from these kinds of unfortunate situations:

  • Theft
  • Vandalism
  • Flood
  • Fires and explosions
  • Accidental collision with birds or other animals
  • Natural disasters
  • Certain falling objects

Gap/Lease And Loan Coverage

This type of policy is something that you may have, especially if you’re still paying for the car loan. Most (if not, all) financing agencies require this plan to reconcile costs in case of a total loss.

When your vehicle has declared total loss, your insurance firm will pay the actual cash value of your car. But some payment policies don’t pay the actual value while it is depreciating, and can cause you to owe more on your vehicle than what it’s worth.

A gap/lease and loan coverage can pay for the difference after experiencing a major hailstorm. In short, you can still make use of this plan once you consider an auto hail repair in Denver.

Rental Car Reimbursement

This plan is designed to cover a loss after a hailstorm. Basically, it lets you rent another vehicle while your hail damaged car is being repaired at the shop.

After totaling the cost of the damage, you can choose the mode of transportation you need to get your life on track in the meantime. Also, a rental car reimbursement can also cover other expenses with your transportation such as:

  • Cost of the rental vehicle
  • Share a ride services
  • Taxis
  • City buses
  • Light rail transit
  • Commuter trains

Like any other car accidents, the type of hail damage may vary from one vehicle to the next. So we recommend you to consider several kinds of insurance coverage to provide maximum protection from expensive out-of-the-pocket hail damage repairs.

What You Need To Do When Your Car Is Damaged By Hail?

Damage Assessment – Inspect your car, especially the windows. Sometimes hairline cracks are present though you may not be able to see it right away. But it can certainly cause your windshield to be shattered and destroyed once you drive your car on the road. So be sure to look carefully.

Make A Determination – If the damage prevents your car from being driven, then you need to contact your insurance agent immediately to have your vehicle towed at an accredited repair shop. If the car is still drivable, talk to your agent about the next steps to be done to have the damage repaired.

File An Insurance Claim File the claim right away to minimize the waiting period you have to do while your car is being repaired. The main goal is to get your vehicle back on the road as quickly as possible.

Can You File For A Hail Damage Repair Claim Twice?

This is a good question since hailstorms are often happening in the city of Denver. So are you allowed to file for a hail damage claim twice in the same year?

The answer depends on the discretion of your insurance agency. Likewise, this incident should also be stated in your contract.

Insurance claims on hail damage repair should always be a top priority considering the frequency of hailstorms between 10 to 20 hail events annually, to be exact. But still, you have to talk with your agent just to be clear if your car is still covered the moment it gets damaged by hail the second around.