Dent Mechanic Repairs

Hail Claim Basics: How Car Insurance Covers Hail Damage

Hail damage happens when large chunks of ice, often weighing more than a pound each, fall from the sky and hit your car. In many places, hail can cause serious damage to your vehicle and other property, but it’s important to remember that you’re covered if you have auto insurance. Find out how your car insurance covers hail damage in this guide to hail claim basics!

Does Auto Insurance Cover Hail Damage?

Yes, auto insurance covers hail damage. However, insurance companies require that the vehicle be covered under comprehensive or collision to have hail damage coverage. Comprehensive insurance is an optional type of coverage that helps with both physical and non-physical damages to your car; the most common types of incidents typically claimed with this type of insurance are fire, theft, flooding, and damage from objects like hailstones.

How Much Does Car Insurance Pay for Hail Damage?

Car insurance usually covers hail damage, but you may have to pay for a deductible (a.k.a. the amount of money you’ll need to spend out-of-pocket in order to pay for the car repairs). Once you pay your deductible, your insurance company will take care of the rest.

However, at Dent Mechanic Group, your deductible is never a worry because we completely waive it! For your dent repairs, you pay $0 out-of-pocket every time.

Will a Hail Claim Increase Your Insurance Premiums?

This could depend on your state laws and insurer’s policies; in Texas, your premium will not go up because of a hail claim. This is because hail damage is an unforeseeable event and is out of your control. 

Instead, insurance companies often use a loophole by raising rates on entire zip codes in affected areas, so chances are your rates will already be going up, regardless of if you are fixing your vehicle or not. In a way, you’ll be paying for the repairs whether you get them or not.

What If I Didn’t Get My Car Fixed When I Made a Previous Claim?

Even if you didn’t get your previous hail damage fixed (which we greatly discourage anyone from doing), you can still file another claim for new hail damage. However, the previous damage will be taken into account, so you won’t be paid twice for both instances of damage.

When you file the claim and damages are being assessed, the insurer will determine which hail damage is recent and which is from the previous hail storm. Your insurance company should then be able to explain to you how this damage will be handled under your comprehensive coverage.

How Dent Mechanic Group Can Help

Dent Mechanic Group’s #1 priority is taking care of you and your vehicle. Our staff of highly-trained paintless dent repair experts will repair the damage quickly and efficiently at no out-of-pocket cost to you. We also offer free pick up and delivery and if needed, a free Enterprise Rent-A-Car. 

We have repaired thousands of cars in DFW for over 6 years, have over 600 5-star reviews on Google, and operate year-round, not just when a bad hail storm hits.

We rely on our extensive knowledge, training, and experience to provide the highest quality paintless dent repair I’m service and our promise of a no-hassle experience so you can be back in your car in no time.


If you need body damage repaired on your vehicle, including hail damage
and accidental dents, we can provide paintless dent repair to return
your automobile’s body back to it’s former glory.