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Does Car Insurance Cover Hail Damage

A severe storm has just gone through your town bringing with it wind and some large hailstones. Unfortunately, your car was outside and this storm left hail damage dents all over your car. 

Now you’re wondering if it’s going to cost thousands of dollars to fix your car, how will you pay for it, and does car insurance cover hail damage repair?

Does Car Insurance Cover Hail Damage

Does Insurance Cover Hail Damage Repair

Well, I have some good news for you. Yes, your vehicle insurance will cover the cost to repair your car back to the condition it was before the storm. The most common method to repair light to moderate hail damage is by the use of Paintless Dent Removal, also known as PDR. 

PDR is used to push or pull out the small hail dings from the metal panels of your vehicle without the need to repaint your car. This process results in a cleaner and faster repair. That is why the paintless dent repair method is approved and used by your car insurance for hail damage repair.

(Watch this video to see hail damage repair on a vehicle in Minnesota

What Part of Auto Insurance Covers Hail Damage 

Before your car is damaged in a hail storm, you’ll want to be sure that you have full coverage insurance on your vehicle. Full Coverage insurance covers both collision and comprehensive damages.

The part of auto insurance that covers hail damage is the comprehensive coverage. Comprehensive insurance covers damage to your car from hail along with these other damages.

  • Wind
  • Hail
  • Collision with animals
  • Natural disasters
  • Theft and Vandalism
  • Fire
  • Floods
  • Falling objects

Often you will have a deductible that you will need to pay first for the repairs and then your insurance will cover the rest of the cost of the repairs. According to Allstate ( ) you will want to check your policy to see what your deductible is and if you can change the amount you will owe.

The average amount insurance will pay for your hail damage claim is $3000-$6000.

How Much Does Insurance Pay For Hail Damage

Now that you have a hail damage car insurance claim, you’ll be wondering how much does insurance pay for hail damage repair for all those dents to your car.

There are many different types of hail storms and they all will produce different damage to your car. You can have some very light damage with only a few dents around your car up to severe damage with hundreds of dents or many large hail dents covering the panels of your vehicle.

On an average scale of 1-10 with 1 being light damage and 10 being severe you can expect the average cost of paintless dent repair for hail to be around $1000 for each degree of severity. For example, light damage and a 1 would be around $1000. Then on the high end of 10 with severe damage, the cost could be around $10,000.

The average amount that insurance will pay for your hail damage claim could be from $3000-$6000.

There are many factors that will go into the amount that it can cost to repair your car with PDR, so these costs are just the average. There is also very severe damage from hail that can cause the cost to repair your car to be well over the $10,000 amount. This will be because of needing to use an auto body shop to replace the panels, repair the dents, and paint the vehicle. This usually will also require glass replacement from the hail damage.

Hail Damage Repair in MN using Paintless Dent Removal

Can You Claim Hail Damage Twice

There are several reasons why you should not wait to get the hail damage repaired on your car.

  • Diminished value
  • Lower trade-in value
  • Lower sale value
  • Additional collision or accident damages
  • Additional storm or hail damages
  • Limited Insurance coverage
  • Additional damages can cause a total loss

 As you can see it is important to get your car fixed as soon as possible. According to Esurance ( ) they stress that getting you hail damage repaired is important because Even just a couple of blemishes can decrease your car’s appraisal value from “fair” to “poor.”

You also don’t want to be stuck in a situation where you are caught in another hail storm causing more dents and damage to your car. This can cause problems with your hail damage insurance claim and you might be wondering if you can claim hail damage twice.

Making a second claim for the hail damage to your car can cause several issues. One, according to American Family Insurance ( ) is they could deny the claim. Other issues could be that the insurance adjuster will have to determine the damage from the first and second storm. Plus you could end up having to pay a second deductible, causing the cost you have to pay for repair to double.

Where To Get Auto Hail Damage Repair In Minnesota

Now that you’ve made a claim with your insurance for the hail damage to your car and you need a professional paintless dent repair shop to fix all those hail dents, you can now contact us at Excel Dent Removal to schedule an appointment for a repair date.

We are auto hail damage repair experts and we can handle the entire process for you. All you need to do is supply us with the insurance claim number. We will take care of dealing with the insurance adjusters to make sure that everything is repaired correctly and that the cost to repair the hail is covered by your insurance company.

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How Is Paintless Dent Repair Done

If you’ve recently noticed a small dent in your car or maybe you got a random door ding while you were in a parking lot and now you are wanting to know how to get that dent fixed. 

Well, today I’m going to share with you just one of the many ways that paintless dent repair is done. 

(You can watch this video to see how a door dent was repaired )

How Paintless Dent Repair is Performed

There are several different names used to identify paintless dent repair. A few of the terms are paintless dent removal or the short acronym of PDR. Many times others just want to know about how to pop out a dent. 

Just like there are many names for paintless dent repair, there are many ways that we use to remove dents. Just a few ways that paintless dent removal is performed is by either pushing out the dent, use glue to pull the dent out, and using hammers to manipulate the metal. Often all these methods are used in combination when we are fixing dents. 

Today I’m going to share with you just one of the methods used for paintless dent repair.

The most common method of Paintless Dent Repair is using special PDR Tools to push out the damage

How To Push Out Dents Using PDR Tools

The most common method of paintless dent repair is using special PDR Tools to push out the damage from behind the vehicle panel. 

We first need to get access behind the panel on the car. There are a few ways this is done depending on the panel. For normal dings and small dents in the door of the vehicle, we can often get access through the window opening or by removing the inner door panel. If we have good access to the dent from the opening in the window, we will use a special wedge to allow a little extra room for the dent removal tool and we will place either a plastic or metal guard over the window to protect from damaging the glass. 

Now that we have access to the back of the panel we use our dent removal tool to slowly apply gentle pressure and small precise pushes in the center of the dent. The reason this process is done this way and not by just a quick push or pop out of the dent is because the gently pushing preserves the paint and avoids causing more damage, and brings the damage up clean so that when finished the outside of the car has a flat and even appearance.

Why a Paintless Dent Removal Light Is Used

The reason we are able to make those precise small pushes behind the dent and to know exactly where the PDR tool is at is because we use special PDR lights. 

These unique lights used for paintless dent repair are designed to highlight the painted surface so that we can see the reflection of the light in the panel. While it might appear that we are looking directly at the car and the dent, we actually are only looking at the reflection of the light on the painted surface. 

PDR techs use many different styles of lights. Some use a fog pattern and others will use lines or stripes on the light. These fog or lines help the dent tech be able to see exactly where the tip of their tool is located. Using these dent lights they can also see even where the smallest low and high spots are of the dent, even down into the orange peel surface of the painted finish. 

So now you can see why these dent repair lights are needed and how a trained dent pro uses them to achieve a flawless repair of the dent.

How To Get a Perfect Dent Repair Finish

When you use a professional paintless dent removal shop you can know that you’ll be able to get a perfectly flawless finish for the dent in your car. 

The highly trained techs here at Excel Dent Removal have the tools and over two decades of experience to remove many different types of dents and damage to your vehicle’s surface using the Paintless dent repair method. 

You can contact us today by phone or email to schedule an appointment for a damage inspection or to have your dent repaired. We are here to help answer your questions about how paintless dent repair works.

© 2019 Excel Dent Removal | All Rights Reserved | Privacy Policy

763-780-4000 |