Does car insurance cover hail damage?

After a severe storm or hailstorm, your car may be severely damaged. Hail can even cause so much damage to your car that you can no longer drive it.
Due to climate change, weather conditions are becoming more severe. The cost of repairing hail damage can be quite expensive. That is why it is good to know if your car insurance covers hail damage to your car. Unfortunately, third-party car insurance never provides compensation for damage to your own car. Whether this is dents in your car caused by hail or some other form of (hail) damage.

If you have limited casco car insurance, hail damage to your car will be reimbursed by the insurer. This is also the case when you have an all-risk car insurance. Many insurers do apply an excess for hail damage to your car.

It is wise to contact your intermediary or insurer immediately in the event of hail damage to your car. They will tell you exactly what you need to do and what you are entitled to. There are a number of things you should at least do yourself in the event of hail damage to your car. First, it is important that you fill out a claim form. In addition, it is important that you take clear pictures of the damage to your car as well as the hailstones, if possible. This will allow the insurer to see how big the hailstones were. Also include what time the car damage occurred. Your insurer or agent will review with you whether the hail damage to your car is insured and how the damage can be repaired.