Hail is one of those annoying weather conditions that seem to be here to stay. While some people like to go out and buy new expensive hail damage insurance, there are many others that need to find a solution for their hail damaged vehicle. There are two main types of hail damage insurance; comprehensive and collision. Which type of policy you should take out depends on your circumstances. Let’s look at them both in more detail.
Comprehensive hail damage insurance will cover your vehicle for damage caused by hail, if it is not covered by other insurance. Therefore, any mail that lands on your roof or windows will be paid for in this type of policy. In addition to this, you may also be able to add-on extra insurance policies to your comprehensive plan, such as loss of rental income or comprehensive medical payments.
Collision is basically a ‘one-size-fits-all’ type of policy. It is usually designed to cover damage to your vehicle caused by hail and all the usual injuries that may result from an accident. Therefore, it will pay for your car to get scratched up and dented. It will not normally cover hail damage though, which means that you will have to pay for this yourself. However, if you have comprehensive cover, you will not have to worry about this.
You may need to take out other types of insurance in order to fully protect yourself and your car from hail damage. For instance, if you live in an area where there is frequent heavy rain, you will want to take out an umbrella policy. This will cover you in the event of hail or storm. Similarly, if you drive through zones that are particularly prone to hailstorms, you may want to consider an insurance policy that includes hail. You may also want to take out a specialised umbrella to cover your car in the event of severe weather conditions.
If you have been hit by hail and need to find a hail damage repair company, you should start your search online. There are specialist sites that can give you recommendations about how to best repair your vehicle and take out insurance. You should start your search by entering a street address and searching using the search engine on the site. If you do not know the street address of your damaged car, you may use the map feature to locate it. You may also be able to search for damage by contacting the Police or fire department in your local area.
Of course, the best way to ensure that you do not need to take out additional insurance is to prevent damage by using an umbrella wherever you go outside. Also, you should never take any unnecessary chances when it comes to your vehicle. Preventing hail damage is not too difficult and you should make sure that you park in covered and sealed areas. You should also never drive through bad weather, unless it is very light, as this can cause hair to fall.