Hail Damage and Car Insurance
The National Weather Service states that hail damage causes approximately $1 billion in repair costs each year. Though small blocks of hail may seem relatively harmless, often hail reaches the size of a golf ball or, in rare situations, the size of a grapefruit. It only takes one hail stone to break or crack windshields, headlights, or mirrors, or cause a major dent to your vehicle.
With the right type of insurance coverage, you can have your vehicle’s hail damage repaired at no extra cost to you. Without insurance, however, hail damage repairs can add up to thousands of dollars. If you live in an area prone to hail storms or other major weather conditions, consider an insurance policy that covers these types of damages.
Reducing the Risk of Hail Damage
If you live in a hail-prone area, follow these steps to reduce hail damage to your vehicle:
- If you have advance warning of the hail storm, move your car into a covered area.
- If you must leave your car outdoors, cover it with a thick blanket or car cover to help reduce damage.
- If you are driving and cannot find a covered area, find a safe area at which to stop. Hail will generally cause less damage to your parked car than to a moving vehicle.
With the right car insurance coverage, you can have your repair costs covered in the event of hail damage. To learn more about your car insurance options, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.