Collision means the impact of your insured car with another object or upset of your insured car.

Losses caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion, colliding with a bird or animal, or breakage of glass are other than collision losses (a.k.a. comprehensive).

Since your your damage was caused by hail, your loss would be covered under your comprehensive coverage. Your insurance policy should pay for these damages less the deductible that applies.

Sometimes hail damage falls into the category of an item that is cheaper to pay for out of pocket, because it is so close to your deductible. If the damage does exceed your deductible, you should file the claim and get the damage covered.

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