Should I File a Claim for Vehicle Hail Damage in OKC?

At Bob Moore Collision Center in Oklahoma City, we're no strangers to hail damage. Every year, folks bring us their cars, asking us to buff out dents, remove scratches, and replace broken glass. Usually, hail damage is easy to treat and one of the more affordable car repairs you can choose. That begs the question: Should you file a claim for hail damage? It depends! In the sections below, we'll preview when it makes sense to file an insurance claim and when it might make more sense to cover the costs yourself. We'll preview the types of hail damage insurance, types of damage, and how filing a claim can negatively impact you. If you're not sure what to do with your hail damage, visit our OKC auto body shop for a free repair estimate today!

Should I file a Claim?

Vehicle hail damage isn't covered by every type of insurance. If you purchase the minimum level of insurance, you only get protection for vehicles you damage in a crash and bodily harm caused by collisions. Environmental damage, such as hail, deer, and falling limbs, is only covered by comprehensive car insurance. However, even with this level of coverage, it's worth considering whether to file. If the damage is light and superficial, with only a couple of dents, it may not be worth filing a claim! Your insurance policy has a minimum deductible that must be met, and if your damage is light and you won't meet the deductible, it might not be worth filing the claim. However, if parts like your windshield have been damaged and are affecting your ability to drive your vehicle, it's definitely worth filing a claim with your insurance.

How Filing a Claim Can Negatively Affect You

If you're thinking, "Why shouldn't I file an insurance claim for hail damage?", you're not alone! Unfortunately, even with no fault damage, filing a claim sticks with you and can trigger even higher insurance premiums from your provider. Before filing a claim, it might be helpful to contact your insurance provider to know what to expect. On the other hand, filing an insurance claim is lengthy and time-consuming. If you have minor hail damage that won't take much to repair, it might be worth paying out of pocket just to minimize frustration and risk of your premiums increasing. 

Schedule Hail Damage Repair in OKC

When your car suffers hail damage in Oklahoma City, Bob Moore Collision Center is here to help. Get a free repair estimate with our OKC body shop to get started today!