Today, Rocky Mountain Dent Service in Denver discusses the facts about hail damage and car insurance. Our professional, paintless dent repair services can get your vehicle in and out of the shop fast, without sacrificing quality. We even have the experience and expertise to work with your insurance carrier on a claim and offer options where there are zero out of pocket costs.
You probably don’t know that hail damage insurance claims are up 48% across the nation and right here in the Denver metro area, we had a multi-billion dollar storm just last year. While hail damage only affects the look of your vehicle, not the function, no owner wants to see the damage left over from hail every time they walk up to their car. While some car owners can live with a bit of damage, some may file a comprehensive insurance claim to get it taken care of right away.
So, let’s take a look at the facts regarding hail damage and car insurance.
If you have already purchased comprehensive car insurance coverage, before the hail damage occurred, you are covered. This type of car insurance also covers vandalism and theft. In order to get hail damage repaired, you will just have to pay the deductible and insurance will take care of the rest.
If the damage amount is more than the value of your car, your car may be totaled. If your vehicle is determined to be a total loss due to hail damage, ask your insurer to buy it for the salvage value. This will give you some cash back for the loss yet allow you to continue driving the vehicle. An inspection may be required in this case.
The insurance company will mail you a check for the amount calculated for your totaled vehicle minus your deductible. You can use this money how you choose. You can use it to repair the dings or not. Note that if you decide to use the money for anything other than the hail damage, later, if the vehicle is in an accident the pre-existing hail damage will be deducted from the settlement. That applies if you own your car outright. If you hold a loan, you must repair the vehicle.
Your insurance rate should not change due to a comprehensive insurance claim. These are not held against you as an auto accident may be. However, if you make multiple claims, you could be flagged as high risk, and hence your insurance rate may go up.
When it comes to hail damage and car insurance, some of our clients ask whether the title of their vehicle will be affected. Only if the insurance company declares your vehicle a total loss, and the state allows for hail damage as the only reason for the salvage title. Otherwise, the car may only show up as damaged by hail in an electronic notification system like Carfax.
Hopefully, you were able to gain helpful information about hail damage and car insurance from the team at Rocky Mountain Dent Service in Denver. We are always here to help get those dings out in a fast and efficient manner, so you can enjoy the way your vehicle looks once again. Call us after a hail storm, and we will gladly offer our paintless dent repair services on any make or model vehicle.