Does Insurance Cover Auto Hail Damage?

Hailstorms can strike without warning, leaving vehicles covered in dents and dings. One of the first questions drivers ask after the storm clears is: “Does my insurance cover this?” The short answer is yes—most comprehensive insurance policies cover hail damage repairs. But understanding how it works can save you time, money, and frustration.

Comprehensive Coverage and Hail Damage

Auto insurance comes in many forms, but comprehensive coverage is what protects against hail damage. This type of coverage pays for repairs from events beyond your control, such as:

• Hailstorms

• Falling objects

• Theft or vandalism

• Fire or flooding

If you only carry liability coverage, hail repair will not be included. That’s why it’s important to review your policy and make sure you have the right protection.

👉 For a detailed breakdown, see the Insurance Information Institute’s guide to comprehensive coverage.

Will Filing a Claim Raise My Rates?

Many drivers hesitate to file a claim out of fear that premiums will increase. Here’s the good news: hail damage is considered an “act of nature” or “act of God.” Since you’re not at fault, insurance companies typically do not raise your rates after a hail claim.

However, you’ll still be responsible for your deductible—the out-of-pocket amount you pay before insurance covers the rest.

👉 Visit our FAQ page for answers about deductibles and claims.