Your questions in full: If I had hail damage a couple of years ago and put in a claim but decided not to repair it at the time, can I now submit another claim if I recently received additional hail damage? Will they subtract the previous damage from this damage? Will they not allow a new claim at all?
Yes, you should be able to make a claim for your new hail damage. However, you are right that the previous hail damage that you did not repair will be taken into account.
Your car insurance company won't pay you again for the same damages. So, as part of the claims process the insurance adjuster will determine how much of the damage on your vehicle is from this new hailstorm and how much is the pre-existing damage, which you failed to repair but were paid for on a previous auto insurance claim.
Whenever you are paid for a claim but don't repair your vehicle, the pre-existing damage will take away from future claims. The claims adjuster will have to distinguish the old damage from the new and your insurer will only pay you for the cost to repair the new hail damage.
Your insurance adjuster and agent should be able to explain the specifics of how your car insurance company will handle this new comprehensive claim for hail damage.
If your agent is not able to explain to you what to do in this situation or fulfill your car insurance needs, contact a CarInsurance.com agent.
Our agents can explain not only insurance terms and claim procedures but also tell you how they can get you low cost car insurance.