How to check if I have car insurance?

Okay, I know I have car insurance, but I specifically want to check if I have a specific type of car insurance. My car was damaged by hail. Will my car insurance cover hail? What can I check for?

Answer
I’m sorry to hear your car was damaged by hail. However, there is a type of insurance that covers this type of damage. You’re looking for comprehensive coverage. Comprehensive coverage is not part of any state’s minimum coverage requirements. If you have only the cheapest basic coverage you need to drive legally, you may not have this coverage. In addition, basic coverage doesn’t protect your car in the event of physical damage, if this is what you are looking for, comprehensive coverage is what you want.
Log in to your insurance account online or find your proof of policy and look for comprehensive coverage. It can also be listed as other than collision coverage.
For weather-related events like hail damage, claims adjusters look at your car and try to assess the damage through two categories:
  • Paintless dent removal. The PDR method is for cars with minimal damage.
  • Traditional. This is for more severe damage that will require more work.
If you have realized you’re not covered for hail damage but want to be in the future, then the best thing you can do is reach out to us on the Jerry app. We can help you find the best deal on the coverage you want, and our customer service team of licensed brokers is always only a text away to answer any of your questions.
Lauren Smith
Answered on Oct 26, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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