Hail is something that can catch you off guard. After paying your car insurance premiums and thinking about the total cost of owning a car, you might be wondering if hail damage is covered.
Does My Car Insurance Cover Hail Damage?
Yes, if you have comprehensive coverage, which is optional in Ontario. Comprehensive insurance generally covers damage caused by falling objects such as hail. It can also cover other storm-related damage, so it's useful to have it if you have an expensive car. As always, read the fine print and ask your insurance provider about it beforehand.
Liability-only policies cover damage or injury you cause to others. They do not cover hail damage to your own vehicle.
Why Should You Get Hail Protection?
Hail may cause dents, shattered glass and other damage. In severe cases, the damage may be extensive. If you live in or travel to a hail-prone area, you should consider getting comprehensive coverage. It may be better than paying for the damage yourself.
Will Hail Damage Write Off Your Vehicle?
Heavy hail damage can write off your car if the cost of repairs exceeds its value. Your insurance provider may declare the vehicle a total loss.
With comprehensive coverage, the insurer may pay the actual cash value of the car, subject to your deductible and policy terms.
How to Protect Your Car From Hail
You cannot prevent a hailstorm, but you can reduce the risk of vehicle damage.
Use a Weather App
There are several weather apps available for free, and most mobile phones already have one. Check it regularly and turn on alerts for severe weather.
Use a Car Cover
If a hailstorm is predicted and you don’t have access to an indoor garage, a padded car cover may help reduce damage to your vehicle.
Be Mindful of Your Location
If you can, park your car indoors, especially in areas with a high risk of hailstorms. Check the weather forecast and plan ahead before you hit the road.
If you encounter a hailstorm while driving, try to take shelter in a safe place. Avoid large trees or other objects that could fall.
First Steps After Hail Damage
Prevention is important, but your vehicle may still get damaged. The extent of the damage can vary depending on where your car was parked and the severity of the hailstorm.
Assess the Damage
Look for dents, shattered or chipped glass and other visible damage. Take photos and videos before arranging repairs.
Estimate the Cost
Find out how much the repairs may cost. If you have comprehensive coverage, compare the estimated repair cost with your deductible.
If you aren’t insured against hail, compare the cost of repairs with the current value of your car.
File a Claim
If you decide to file a claim, contact your insurance provider as soon as possible. Ask whether the insurer needs to inspect the vehicle before repairs begin.
The insurer may choose paintless dent removal for minor damage, body-panel replacement for more extensive damage or a complete write-off in severe cases.
Is Comprehensive Coverage Worth It?
Comprehensive insurance usually has a deductible. Choosing a higher deductible may lower your premiums, but you’ll have to pay more if you make a claim.
If the cost of repairing small dents or chips in the glass is less than the deductible, filing a claim may not be worthwhile. Consider your car’s value, the cost of coverage, your deductible and the risk of hail where you live.
Now that your car is hail-ready, read about how to prepare your car for winter in Canada.