How do I make a claim for comprehensive car insurance due to damage from a hailstorm?

A hailstorm left golf ball-sized dents in my car. I have comprehensive coverage, but I've never had to use it before. How do I submit a claim for comprehensive insurance?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! You never really know what you’re going to get with a hailstorm, so golf ball-sized dents are definitely a worst-case scenario. Thankfully, you have the right
car insurance coverage for the hail damage
Comprehensive coverage
covers weather-related accidents. To submit a comprehensive claim, follow the same process as a regular claim.
If you’ve never submitted a claim before, here’s what to do:
  • Document all damage. Photos are key when presenting damage to your insurance.
  • Call your insurance ASAP. Don’t wait to file a claim with your insurance. Letting them know that your vehicle was damaged as quickly as possible not only speeds up the repair process but decreases the chance of your
    claim being denied
  • Provide detailed information. Explain what happened to your insurance company and write down your statement so you don’t leave anything out.
  • Get an estimate of damage. Your insurance company may request you get an estimate for repairs before they approve the claim. Be ready to take your car to a shop for an estimate.
Apart from calling your insurance, you can submit a claim online or through a mobile app if your company has one. The steps are the same as above without having to call!
While having the right coverage to repair your car is essential, claims can impact your insurance rates. If you notice an increase at your next renewal, shop around! You may find a lower rate with another company, even with a claim on your record.
For a stress-free way to comparison shop, use the
app. Jerry collects quotes from the top providers, like Nationwide and Allstate, to ensure you’re always getting the best rate without the additional hassle.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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