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Hail hit your car—and now you’re staring at a dented roof, hood, or trunk. Your next decision? Whether to file an insurance claim or pay for the hail damage repair out of pocket. The right choice depends on the extent of the damage, your policy, and long-term value. Here’s how to weigh your options.
Minor dents or a few isolated spots may cost less to repair than your deductible. But if your vehicle is covered in dents, cracked paint, or damaged glass, the repair costs could be much higher—making an insurance claim the smarter option.
Look at your auto insurance policy’s comprehensive coverage deductible. If your repair estimate is just slightly higher than the deductible, it may not be worth filing a claim. If the estimate is significantly more, filing is likely your best move.
Hail damage is considered a “no-fault” event under most comprehensive policies, meaning it typically won’t raise your rates. However, check with your insurer—some companies handle weather-related claims differently.
Even if the damage seems minor, unrepaired hail dents can lower your car’s resale or trade-in value. A clean repair history—even if you pay out of pocket—can preserve long-term value.
Many insurance providers have strict timelines for submitting a hail damage claim. Don’t wait too long—delays could leave you paying for everything yourself.
Whether you’re filing a claim or covering the cost yourself, Comeback Auto Assist offers honest estimates, fast turnaround, and expert-level hail repairs to get you back on the road quickly.
When deciding between filing a claim or paying out of pocket, consider the cost, coverage, and long-term impact on your vehicle. Either way, Comeback Auto Assist makes hail damage repair simple, professional, and stress-free.
Need help deciding? Contact Comeback Auto Assist for a fast inspection and estimate.
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