Is hail damage covered if I don't have collision insurance?

Am I covered for hail damage if I don't have collision insurance? I live in Wyoming and we just had a major hail storm. My car had dings front to back and side to side. I took collision coverage off my car a few months ago but I kept everything else.

Answer
Yikes, hail storms can cause a surprising amount of damage, but hopefully, you are covered!
Collision coverage doesn’t cover hail damage, but comprehensive coverage does! If you have comprehensive coverage, the odds are very good that you can get your car repaired.
Comprehensive coverage protects against losses from perils such as:
  • Fire
  • Theft
  • Hail damage
  • Vandalism
  • Glass breakage
To file a comprehensive insurance claim, take pictures of your car from all four sides. Then, depending on your insurance company, you can call in your claim or file it online or via mobile app.
The claims agent will take down your information ask you for the following:
  • Pictures of the damage
  • Pictures of the size of the hail, if possible
  • Date and time of the damage
Once the information is collected and the coverages are verified, the agent will set you up with a local repair shop. Comprehensive claims are usually paid out and completed quickly.
One way to make sure you always have the latest policy updates in the palm of your hand is by downloading the free Jerry app. Jerry shops low rates with over 50 insurance providers and delivers quotes to your phone in just seconds. The best part? You will have access to your policy 24/7.
Shannon Martin
Answered on Oct 21, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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