Does a Hail Damage Claim Raise Car Insurance Rates?

When repairing car hail damage on your vehicle, one of the primary concerns you might have is whether filing a claim will affect your car insurance rates. At Colorado Hail Claims, we often encounter these concerns and are here to provide clarity and peace of mind.

Understanding Insurance Claims for Hail Damage

Hail damage is typically covered under the car insurance policies ‘Comprehensive’ section. This type of damage is considered an ‘Act of God,’ meaning the car owner is not at fault. This means filing a hail damage claim will unlikely affect your insurance rates since the responsibility is not yours. However, if your policy doesn’t include Comprehensive coverage, there might be some out-of-pocket expenses.

Dealing with insurance estimates

Sometimes, the estimate from an insurance adjuster might be lower than ours. In such cases, we request a reinspection to align our assessments. If there’s a difference in the estimated cost, known as a ‘Supplement,’ your insurer is typically responsible for covering it.

Rental-Car Coverage

If your insurance policy doesn’t cover rental cars and your vehicle needs to stay overnight at our shop, don’t worry. We offer a seamless solution that includes covering your full rental car expenses during the repair period.

Costs of dent removal

Usually, dent removal costs are covered by your insurance and won’t affect your deductible. We also take care of your car rental expenses. The average repair cost nationwide is approximately $305.55, with $202.28 for parts and $103.27 for labor. However, the cost can vary significantly based on the type and severity of the dent. While minor dings might cost as low as $50, extensive hail damage could lead to a car being written off if repair costs exceed the value of replacing the vehicle.

Choosing a repair shop

You have the freedom to choose the repair shop for your vehicle. Insurers no longer direct clients to specific providers. After researching your options, we encourage you to select a team you feel comfortable with. Many new customers choose us for our transparent approach and helpful Free Assessment Service.

Insurance company preferences

While some insurers may direct you to their preferred shop for inspection, remember that you can choose your own repair service after receiving the approved estimate. Colorado Hail Claims are based in Colorado and are experts in PDR. We travel throughout ‘Hail Alley’, including Texas, Oklahoma, Colorado, Kansas, Nebraska, and Wyoming, repairing hail and other dent damage.

Rental-Car coverage sorted.

Remember, if you don’t have rental car coverage under your insurance policy and your car requires an overnight stay at our shop, we’ve got you covered. Our Paintless Dent Repair (PDR) service includes paying for your full rental car expenses.

In conclusion, a hail damage claim generally does not raise car insurance rates, especially when covered under comprehensive coverage. At Colorado Hail Claims, we aim to make the repair process as smooth and worry-free as possible, addressing all your concerns and providing complete solutions, from dealing with insurance claims to covering your rental car expenses. Get in touch today to learn more about our PDR services.