When it comes to auto hail damage, there can be lots of questions and confusion when it comes to repairing options. In this article, we will cover when it is a good idea to contact your insurance company to file a claim, or to simply pay outright for the damage.
When to File an Auto Hail Damage Claim
Your vehicle was damaged in a hail storm. What next?
Steps to take before filing an auto hail damage insurance claim.
- Take pictures. It is always a good idea to document the damage by taking a couple of pictures. If you have a camera on your cell phone, the pictures you take will be stored with a timestamp and geolocation.
- Schedule an appointment for a free auto hail damage inspection from the experts at AutoWorks PDR. We utilize lighting equipment that was designed specifically to locate dents and dings on vehicles. After the inspection, we can provide you with a comprehensive damage report and quote for repair.
- Check your policy. If you carry comprehensive auto insurance, hail damage will NOT affect your rates. You will be expected to cover the deductible. If your auto hail damage quote is greater than your deductible, AutoWorks PDR offers a $500 instant rebate.
- Is the repair cost less than your deductible? Weigh the cost to repair “out-of-pocket” vs. deductible responsibility. If the total cost to repair the damage to your car is less than the deductible, you are responsible for paying for all the repair costs.
- If you answered ‘no’ to question 4, it would be reasonable to call your insurance company to get more information about filing a claim.
- If you answered ‘yes’ to question 3, auto hail repair is 100% covered (outside of the deductible) by your insurance policy. Your rates WILL NOT be affected.
- Schedule an auto hail repair appointment with AutoWorks PDR. We offer FREE no-obligation quotes. Call today to get the started. If you live in an area that was recently hit by hail, get started immediately. Appointments will fill up fast.