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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

Does hail damage to my vehicle fall under comprehensive or collision coverage?

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).

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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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Related Questions
Car Insurance Related 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.?
Car Insurance Related I filed a hail damage claim on my car, and my insurance agent made a check out to me and my lien holder. However, my lien holder won't endorse the check until all the damage is repaired. What shop is going to repair my car and wait a week to get paid for it? Many people have told me I can cash the check without the lien holders endorsement. Is this true? Do I have any options, besides paying for it myself, which I can not do? Thanks for your help.
Car Insurance Related A big strip of tire tread went flying through the air and hit the passenger side of my car, taking off the rear-view mirror. Does this follow the definition of falling object/missile and get covered under the comprehensive insurance? Or would an insurance company consider it a collision?
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Visitor Comments
This info helped me, and gave me more knowledge i never thouht of claiming for such damages.
Comment added: 10:35 AM Apr-28
Question Details
This car insurance answer was last updated 10:49 AM Mar-28.
This Insurance Claims question was asked 12:06 PM September-22-2005.
jane requested this car insurance help from CarInsurance.com experts.
Rated 8.33 out of 10 based on 3 votes.
Insurance Claims Category
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