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should i make a hail claim?
We are your resource to make informed decisions.
Here are some things to consider before making the insurance claim.
Insurance Deductible
Your deductible is the amount you agree to pay out of pocket before your insurance covers the rest of the repair. For example, if your deductible is $500 and your hail repair costs $3,000, you pay the first $500, and your insurance covers the remaining $2,500, Though, it would not make sense to make the claim if the damage was cheaper than your deductible.
Biggest Reason You Should Make The Hail Claim
Hail damage is very expensive to repair; much more than most realize because it typically affects the entire vehicle. This is value taken from your vehicle by hail.
You pay good money for insurance. It's there to protect your investment for this exact reason. You already lost the value from the hail, insurance helps you get it back.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from damage that isn’t caused by a collision. That includes things like hail, theft, vandalism, falling trees, floods, and even hitting an animal. So if a hailstorm dents your car, comprehensive coverage is what pays for the repair - minus your comprehensive deductible.
We Accept All Insurance Companies
We work with all insurance companies and prioritize our customers' needs above all else. We work for you and your interests and make sure you get the right repair for your vehicle.
Reasons to NOT Make a Claim
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No Gap Insurance - If you owe more on your vehicle than it's worth, you could be stuck paying on a loan for a car you can no longer drive if the insurance company deems it a total loss, making it difficult to replace.
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Your insurance might drop you if you make the claim - This is a scare tactic by insurance companies looking to lower their risk. There are many good insurance companies out there. If they tell you they will drop you, it's time to do some shopping for a better insurance company that will be there when you need them, especially since you are there for them every month when they send you the bill!