Does Car Insurance Cover Hail Damage?

If you encounter inclement weather in Arlington, you may be wondering, “Does car insurance cover hail damage?” The answer to this question varies based on the type of insurance you have. If you only have liability insurance, hail damage will not be covered, and you will have to take care of repair costs on your own. However, if you have selected a comprehensive insurance plan in addition to liability insurance, hail damage is covered. Alexandria Volkswagen discusses what full car insurance covers and more below.

What Does Full Car Insurance Cover?

Liability coverage is required by law for all drivers in the Washington DC area, but liability coverage only only takes care of damage to the other vehicle if you are the driver at fault. If you want to be able to drive with complete confidence in Springfield and beyond, you can opt for “full coverage auto insurance.” What does full car insurance cover? This coverage usually encompasses liability insurance, collision insurance, and comprehensive insurance.

  • Liability Insurance: Liability insurance covers any injuries and damages incurred by another driver/vehicle if a collision occurs and you are the driver at fault. This is the only insurance coverage that is required.
  • Collision Insurance: Collision insurance will help cover the cost of damages to your vehicle if you are involved in a collision. This is true even if you are the driver at fault.
  • Comprehensive Insurance: A comprehensive insurance policy takes care of damage to your vehicle that was not caused by an accident. This included hail damage and more.

Preventing Hail Damage

If you do not want to search “does insurance cover hail damage to car” in the first place, there are several ways that you can prevent or minimize hail damage in Springfield :

  • If you do not have a garage and you have the space and ability to invest in a temporary carport, it is a good idea to do so.
  • Receive weather reports on your smartphone, tablet, smartwatch, or another device so that you know when there is the potential for hail in your area.
  • Cover your car with blankets or a car cover. While a cover may not prevent all hail damage, it could minimize dents and dings.
  • If you are driving around Annandale when a hail storm starts, seek shelter in a covered lot like a gas station or parking garage if you can.

Repair Hail Damage with Alexandria Volkswagen

If your vehicle does suffer hail damage near Alexandria, the service center at Alexandria Volkswagen can take care of dents and scratches to get your vehicle looking like new again in no time. Contact us today for more information.

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