Hail Damage Shows The Value of Comprehensive Auto Insurance

Last year, the number of hail damage claims rose considerably compared to the previous three years, according to the Highway Loss Data Institute. Claim payments reached a high of $797 million in 2011. This finding highlights the importance of having good comprehensive auto insurance, especially if you live in areas that are ravaged by storms.

How Much Damage Can Hailstorms Cause To Cars?

One of the most expensive days on record was March 25th, 2009, when there were 22,000 hail damage car insurance claims in Texas and Louisiana amounting to a whopping $81 million in payments! There were vehicles with smashed windows, glass scratches, dents and chipped paint. Aside from monitoring the weather and keeping the car in the garage during projected storm periods, purchasing comprehensive auto insurance is the best thing a driver can do to stay protected from damage.

Who Needs Comprehensive Auto Insurance For Hail Damage?

The HDLI  identified several states with the highest number of claims from 2008 to 2011, including:

  • South Dakota
  • Nebraska
  • Oklahoma
  • Wyoming
  • Kansas
However, an extremely number of high auto insurance claims were reported last year in states like:
  •  South Carolina
  • North Carolina
  • Tennessee
  • West Virginia
  • Virginia.

In fact, South Carolina’s York County had 6,000 auto insurance claims for hail damage amounting to $18 million.

On the other hand, you may not need coverage to fix glass scratches or provide dent repair if you live in:

  • Alaska
  • Hawaii
  • Idaho, or
  • Washington.

These states have consistently low numbers of hail damage repair claims.

How To Get Better Weather-Related Auto Insurance Coverage:

In most states, comprehensive coverage is optional. However, it is the only type of auto insurance coverage that pays for weather-related damage. The National  Association of Insurance Commissioners says that 75 percent of policies written include comprehensive coverage. In 2009, the average premium was about $130, although this may vary depending on the vehicle covered and the deductible you choose. To get better coverage, look up online auto insurance quotes through our site!

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