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Q

My insurance company paid me for hail damage on my car about 3 years ago. I did not have the car repaired and the lien holder did not object. If the same car was damaged again by hail can I legally submit a claim for the new damage since I did not repair the car from the old hail damage.?


A

You can still submit a claim for the new hail damage under your Comprehensive coverage. You should inform the claims adjuster that your vehicle had previously been damaged by hail and was not fixed. The claims adjuster will take this into consideration when processing any new claims for damages to your vehicle.

Since you did not get this hail damage fixed that means this pre-existing damage would take away from future claims since they would have to distinguish what was old damage and what was new and only pay you for any the cost to repair any of the new hail damage.

You can comparison shop your policy here by getting a car insurance quote.



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