How to Claim Hail Damage Car Insurance?
The process to file hail damage car insurance depends on your insurance provider and the type of coverage you have.
Hailstorms can wreak havoc on your car, resulting in the need for some major cosmetic and mechanical repairs. For minor hail damage, you can choose not to file a claim as repairs would cost less than the deductible. However, for more serious hail damages, you’ll need to file a claim to receive financial assistance in making repairs.
Steps to Filing a Hail Damage Insurance Claim
Call the Insurance Company
If your car has hail damage, contact your insurance provider to start the claims process. You can typically file a claim over the phone as the insurance agent asks questions related to the damage.
Take Lots of Pictures
Your insurance company may require you or an insurance adjuster to take pictures of the car for further damage evaluation. Take pictures of the car and damages from varying angles, in case you need to submit them with your claim.
Submit Supporting Documents
You may need to submit other documentation during the claim filing process. As stated above, your insurance company may need to see the photographs you’ve taken immediately following the storm.
Get Some Estimates
For your insurance company to determine whether the car is a total loss or not, they will need to get an estimate. Some insurance companies will give you a list of service providers in the area where you can take the car. Get a few estimates along with a breakdown of hail damage. Keep a copy for yourself and submit a copy to your insurance provider.
If the estimate is a lot, the insurance company may have a claims adjuster or risk assessor to look at the hail damage in person. They will review the damage and assess how much it can cost to repair. It is their job to save the insurance company money. Don’t be surprised if the estimate they come up with is lower than one from an auto body shop.
Once the insurance company has all the information, they will decide on the claim. They may request that you pay the deductible before they pay for hail damage repairs. They may also tell you that the car is a total loss. If this is the case, they simply cut you a check for the actual cash value of the car.
If your car has hail damage, it is important to contact your insurance company and get the claims process started. The claims process can take a few days to complete. Once the insurance company has conducted enough analysis, they’ll decide how to best cover the repairs to your hail damaged car.
Do you have liability coverage that doesn’t cover hail damage? Or maybe your hail damaged car was categorized as a total loss? Whatever the case, CarScrappers offers cash in hand for cars with hail damage. Give us a call today at (855) 929-0828.