Does Insurance Cover Hail Damage to a Car?

Hail on a car roof

If you are caught off guard by a storm in Los Angeles that causes hail damage, you may be asking, “Does insurance cover hail damage to a car?” What does full car insurance cover, and is hail damage included? The finance and insurance experts at North Hollywood Toyota discuss this and more in the guide below. 

What Does Full Car Insurance Cover?

All drivers in Glendale must have liability insurance. This coverage only takes care of damage to the other vehicle involved if you are the driver at fault in a collision. For added peace of mind on the roads of Burbank, many drivers opt for full coverage insurance. What does full car insurance cover? While it is usually referred to as a single plan, full coverage insurance is generally made up of liability insurance, collision insurance, and comprehensive insurance. 

  • Liability Insurance: This type of insurance is the only one that is required by law in most areas. It covers injuries and damage incurred by another driver/vehicle when you are involved in a collision and are the driver at fault. 
  • Collision Insurance: Collision insurance takes care of damage to your vehicle when an accident occurs regardless of if you are the driver at fault. 
  • Comprehensive Insurance: This type of policy covers any damage to your vehicle that was not caused by an accident. Hail damage is covered by a comprehensive policy in addition to damage from a fire, fallen tree, or theft. 

Preventing Hail Damage

While it may not be possible to prevent all hail damage, there are a few simple steps you can take to protect your vehicle in North Hollywood.

  • If you do not have a garage, consider a temporary carport. You have a wide variety of affordable and easy-to-build options to choose from. 
  • Sign up for weather alerts on your phone. You will then be notified if hail is expected in your area. 
  • Cover your car with blankets or a car cover. While this method may not prevent all hail damage, it can minimize scratches and dings. Even your floor mats can work in a pinch. 
  • If you are out and about during a hail storm, pull over at a covered gas station. 

Contact North Hollywood Toyota for More Information 

If your vehicle has suffered hail damage, we can help restore your vehicle to like-new condition. Set up an appointment with our service center today, or contact us for more information. 

 

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