You step outside after a hailstorm and see dents all over your vehicle—on the hood, roof, and maybe even the windshield. The first thing on your mind? “Is this covered by my insurance?” The good news: most drivers are protected. Here’s what you need to know about hail damage coverage, your deductible, and how Comeback Auto Assist helps make the process smooth and stress-free.

1. Hail Damage Is Covered Under Comprehensive Insurance

If your auto policy includes comprehensive coverage, you’re protected against non-collision incidents like:

  • Hailstorms
  • Falling debris
  • Vandalism
  • Theft
    Comprehensive coverage is optional, but many drivers carry it—especially in hail-prone areas.

2. You’ll Likely Pay a Deductible

Most policies include a comprehensive deductible, typically ranging from $250 to $1,000.
Example:
If your hail damage repair is $3,000 and your deductible is $500, your insurance covers $2,500, and you pay the first $500.

3. Filing a Claim Usually Won’t Raise Your Premium

Because hail is considered a “no-fault” event, most insurance providers won’t increase your rate just for filing a hail claim. However, it’s always a good idea to confirm with your agent.

4. There Are Time Limits to File

Don’t wait too long. Insurance companies typically require claims to be filed within a certain window (often 30–60 days after the damage occurs).
Tip: Take photos immediately and schedule a professional inspection with Comeback Auto Assist to stay ahead.

5. You Have the Right to Choose Your Repair Shop

Your insurer might recommend a preferred shop—but you’re not required to use it. At Comeback Auto Assist, we:

  • Work with all major insurance providers
  • Handle paperwork and approvals
  • Provide fast, factory-quality repairs
  • Offer Paintless Dent Repair (PDR) when applicable to preserve your original finish

6. Unrepaired Damage Can Affect Future Claims

Leaving dents or cracked paint unaddressed can lead to:

  • Rust
  • Lower resale value
  • Denied claims for future hail or accident damage
    Prompt repair ensures your vehicle stays protected and retains value.

Yes—your insurance likely covers hail damage if you have comprehensive coverage. And with Comeback Auto Assist, the repair process is fast, easy, and insurance-friendly. From damage assessment to final polish, we’ve got you covered—literally.

Think you have hail damage? Book your inspection with Comeback Auto Assist today.