Hail Damage from a Tornado

Will Insurance Cover Hail Damage from a Tornado? 

Minor vs. Major Hail Damage During a Tornado

Mother Nature can be unpredictable, but one thing we know for sure is that the elements can do a number on your vehicle. When a particular heavy hailstorm impacts a car's paint job or dents the surface, many owners are left wondering how to get their car looking good as new again. If you live in Oklahoma City, Norman, Edmond, or any of the surrounding areas, then Bob Moore Collision Center is the place to go!

Does Insurance Cover Hail Damage?

Whether or not an insurer covers your car's hail damage repair can vary from policy to policy. At the most basic level, though, it comes down to whether or not you have collision coverage, comprehensive coverage, or liability coverage. Collision coverage, as the name implies, only covers damage caused by a collision with another vehicle or object. This coverage will not cover hail damage repair. Comprehensive coverage, however, will cover damage to your car caused by things other than collisions, like fire, natural disasters, and yes, hail. Liability coverage will protect you in the case of a car accident in which you injure or damage another person or vehicle. This will not cover hail damage repair. Another important thing to check is how much your deductible is. Depending on your deductible and how severe the hail damage is, it might be more cost-effective to pay out of pocket.

How is Hail Damage Looked at by Insurance Companies?

Hail damage is considered to be a no-fault claim, which won't increase your premiums. It goes under the comprehensive portion of your coverage. If you have too much hail damage, your vehicle could be totaled. This means that the cost of the repairs is more than the value of the vehicle. How much damage the hail has caused will dictate whether you can have your vehicle repaired or if it will be totaled.

Levels of Hail Damage

Storms, like tornados, can cause a lot of damage to vehicles, especially if hail is involved. A lot of times hail is a warning sign that a tornado is in the area. Your insurance adjuster and auto repair body shop will determine which category of damage your vehicle has sustained from the hail damage. Most vehicles with hail damage are drivable, but they lose value unless the damage is repaired. Cosmetic damage is considered light damage from small hail. It may leave the paint intact, and will only require the dents to be removed. Cosmetic damage may also include scratches to the paint, which technicians will need to repaint that part of the vehicle after removing the dents. Major or severe damage may be diagnosed when the hail causes problems for the mechanical parts of the vehicle.

Reasons You Should Bring Your Car to the Professionals

Many people worry that going to an auto collision center means getting overcharged and being left without a vehicle. Thankfully, that is not usually the case, and there are several reasons why you should turn to a professional for your car hail damage repair. They have state-of-the-art repair tools, their technicians are highly certified, and a professional auto body shop can offer many options for repairs. Simple insurance claims are another great reason. Working with your insurance company can be a headache, but an auto body shop can coordinate the entire repair process with your insurer.

Come let our friendly and professional technicians at Bob Moore Collision Center help walk you through the repair process.