Yes — comprehensive auto insurance covers hail damage. It’s a weather event, not a collision. You pay only your comprehensive deductible, and your rate typically doesn’t increase.
How the Coverage Works
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- Comprehensive covers it. Not collision.
- Deductible applies once regardless of how many panels are damaged.
- No fault, no rate hike in most states.
- Diminished value: Not recoverable on weather claims (no at-fault party).
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Deductible Reality
Comprehensive deductibles typically run $250-1,000. If your hail damage estimate is $6,000 and your deductible is $500, insurance pays $5,500 to the shop. You pay the $500.
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When Insurance Totals Your Car
Insurers total the vehicle when hail repair exceeds 70-80% of Actual Cash Value (ACV). Common on older cars. You can often buy back the salvage for 15-30% of ACV — see our total loss buyback guide.
Full guide: Complete Hail Damage Repair Guide
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