Why Should You Submit A Hail Damage Insurance Claim Sooner Than Later?
It is not unusual to see car owners fretting over car hail damage insurance claim. After all, fixing a dent in a paintless dent repair shop isn’t a regular affair. Nevertheless, if your car is damaged by a hail, then you must file the hail damage insurance claim right after the hail storm.
So why auto hail damage repair sooner than later?
Hail damage car insurance claim time limit
With most of the insurance companies, you either have a year’s time to file a claim after the date of loss, or, in some cases, only a six month time limit. If you procrastinate, for whatever reasons, and if you fail to file a claim in the given time frame, then your insurance provider will not help you with the payout. And, by the way, it is common to see car owners forgetting about the claim and moving on with life, forgetting to file a claim in the stipulated period of time. So sooner you act, the better.
To get your car back faster
The logic here is simple – if a hail storm has affected you in your area, then it has affected every single car owner in your vicinity, which means there will be a lot of waiting time before the damage is fixed. All the local inspectors and roofers will be overloaded with demands. Besides, high volume will also increase the probability of refusals as the provider can only afford to pay out a few claims. So, all in all, if you wish to get your claim accepted promptly, and importantly, fancy getting your car back, then file your claim sooner.
Few Other Important Aspects Of Hail Damage Insurance Claims:
How much does insurance pay for a hail damage?
If you have a ‘comprehensive coverage’ policy, then a hail damage will be covered by your insurance provider. It is advisable to check with the insurance provider if you will have to pay a Deductible for hail damage or not. If a zero deductible is added for an additional cost, then your deductible would cover the entire cost of the damage and you will have to pay nothing.
Can you claim a hail damage twice?
If your car gets hit again with hail, you won’t be paid twice for the same hail damage.
Does a hail damage claim raise insurance rates?
In most cases, no. Since a hail storm is considered to be an ‘Act of God’, a hail damage claim will not raise the insurance rates.
How long do you have to claim a hail damage on the car?
Most of the insurance providers do not have a deadline or timeline on how long you may take after a hail damage before you start the claim process. But, a few of the insurance companies do advise clients to file a claim within 30 – 60 days after the occurrence. Irrespectively, you should contact your insurance provider as soon as possible as it is always better to claim sooner than later.
What is the average insurance payout for a hail damage?
It depends on your deductible.. This means, if it’s a minor hail damage, then you may have to pay it since the cost isn’t going to surpass your deductible. But, if the hail damage exceeds your deductible by at least $100, then your insurance provider will help you with a payout. And you can always argue for more payout by using the estimates.
How is a hail damaged assessed on a car?
After you file a claim, your insurance provider will arrange an assessment of your car. Ensure that you get your car looked at inside or in a shade. Do not get the damage assessed outside in the sun as many of the dents may not be properly seen. Your adjustor will look at the severity of the hail damage and accordingly write the estimate to be repaired.