Does Car Insurance Cover Hail Damage?

Hail on a Car Roof

When it rains or storms in Freehold, it can be a cause for concern for your vehicle, especially when it comes to potential hail damage. You might find yourself wondering, “Does car insurance cover hail damage to my car?” Whether or not you are covered for hail damage will depend on what type of car insurance you already have. You’ll need a comprehensive insurance plan in addition to your liability insurance to be covered for hail damage, as liability alone won’t cover hail damage. Learn how you can get covered and more with the finance department at Galaxy Toyota. 



What Does Full Car Insurance Cover?

Liability insurance is the minimum amount that is required by law to have. However, liability alone only covers you if you are at fault in an auto accident on the Toms River roads. If you have full coverage auto insurance, it’s usually made up of three parts: liability, collision, and comprehensive. Here is a breakdown of all three parts: 

  • Liability Insurance: This is the only part of auto insurance that is required. Liability provides financial coverage for injuries or damage done to another person during an accident in which you are at fault. 
  • Collision Insurance: Collision covers the costs of damage done to your vehicle in an accident, even if you are at fault. 
  • Comprehensive Insurance: Comprehensive insurance covers damage done to your vehicle that wasn’t caused by an accident. These causes usually include hail damage, fire, theft, and more. 

So, does car insurance cover hail damage? Only if you have comprehensive insurance with your liability insurance will you be covered for natural accidents like hail damage. 

Ways to Prevent Hail Damage

If you’re wondering if car insurance covers hail damage to your car based on the policy you already have, here are some ways you can prevent your car from sustaining hail damage in the event of a storm:

  • If you don’t have a garage, temporary carports in the Long Branch area are a great second option. 
  • If you receive weather alerts on your smart device, you can keep an eye on the status of the weather before it gets out of hand. You can usually get a weather app if you don’t already have one to be prepared for incoming severe weather.
  • Keep your car covered with a car cover to lessen the damage of hail. 
  • If you’re on the road during a hail storm, then you should pull over to the nearest covered lot, like a gas station or parking garage, as quickly as possible.
  • If nothing else works, you can use your floor mats. They are thicker than you might think, and you can use them to at least lessen the impact of hail damage to your car.

For more finance tips and tricks, visit Galaxy Toyota. 

Protect Your Car with Galaxy Toyota

Does car insurance cover hail damage? If you have comprehensive insurance with liability, then you should be covered. If you don’t have this type of coverage, there are still plenty of ways to keep your car covered from hail damage. Contact us to learn more helpful car-buying tips and answer any of your car-related questions.


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