If your vehicle was caught in a hail storm and needs repairing, the first thing you should do is take pictures of the damage. Send these pictures to your Progressive insurance adjuster, even if you’ve already scheduled an in-person evaluation of your car.

If you have

comprehensive coverage

, hail damage will likely be covered by Progressive after you’ve paid your insurance deductible.

Keep in mind: Comprehensive auto insurance has a maximum payout amount, which typically doesn’t exceed the vehicle’s cash value.

Can hail damage be repaired?

Depending on the severity, hail damage can be repaired at a body shop by using paintless dent repair (PDR) which targets minor dents on the vehicle without removing any of the paint.

Your insurer might have preferred body shops that you can choose from.

But if you’re using the Jerry app, you can locate the closest repair shops and see important details like average hourly rate, diagnostic fees, and real customer reviews to help you choose the best option.

What if your car is totaled by hail damage?

If your vehicle is no longer fit to be on the road and the cost to restore your car exceeds its actual cash value, it’s considered a total loss. Your insurer will likely write you a check for your car’s cash value, excluding your deductible.

How to file an insurance claim with Progressive after hail damage

To file an insurance claim with Progressive, follow these steps:

Progressive’s website

, through the

mobile app

, or call your claims center

Follow the prompts to make your claim

After you file your claim, a rep will ask you whether you’d prefer to get your vehicle repaired or receive payment

Then, you can schedule your repairs with your preferred auto shop1

Be sure to check your policy’s provisions and exclusions when filing your claim. If you have questions or concerns about what is covered, reach out to a Progressive insurance agent for clarification.

An insurance claim to repair your vehicle’s hail damage will likely raise your insurance costs.
To find the best deal when it comes to your premium, the best thing you can do is compare quotes from different car insurance companies.

How to get comprehensive coverage with Progressive

If you live in a state with frequent hail, such as Texas and Colorado, it’s a good idea to invest in comprehensive coverage for peace of mind.

Unlike collision coverage, comprehensive auto insurance is a type of coverage that protects against damage to your vehicle not caused by a collision, such as severe weather (e.g. hail storms), natural catastrophes like tornadoes, theft, vandalism, or contact with animals.

To get comprehensive coverage with Progressive, log in to your policy online or call 1 (866) 749-7436.

FAQs

Does car insurance cover hail damage?

Unless you have comprehensive coverage, it is unlikely that your auto insurance provider will cover hail damage.

How does hail damage work with Progressive Insurance?

If you have a comprehensive insurance policy, Progressive will evaluate the hail damage to your vehicle and pay you to fix it (after subtracting your deductible). If the car is deemed a total loss, however, you’ll typically get a check for the vehicle’s actual cash value.

How do you negotiate hail damage claims?

Negotiating hail damage claims involves documenting the damage, obtaining repair estimates, and negotiating with the insurance adjuster for a fair settlement. Provide evidence to support your claims—such as photos and repair quotes—and be prepared to discuss the scope of the damage and necessary repairs.

Does hail damage show up on CarFax?

Hail damage typically won’t show up on a CarFax report unless your car is a total loss. If the damage is minor or repairable, it doesn’t need to be reported.

How does hail damage differ from other types of storm damage?

Hailstones can create dents, cracks, or chipped paint on vehicles from their impact. Other types of storms may knock over trees or flood your area, damaging your car in the process (especially if you park it outside). In either case, it’s a good idea to have comprehensive insurance so that you’re protected.

Does Progressive cover storm damage?

Whether Progressive covers storm damage depends on your level of car insurance coverage. If you have comprehensive coverage, Progressive will usually cover damage that can be attributed to severe weather.

SOURCES

https://www.progressive.com/claims/auto-process/