Is Sioux Falls Hail Damage Covered by Insurance?

Everything You Need to Know About Sioux Falls Hail Damage

Do You Have the Right Coverage?

To most insurance companies there are two kinds of damage:

  1. Somebody is at fault and clearly liable for the accident.
  2. There is no liability and it was an act of nature or possibly vandalism.

Sioux Falls Hail damage falls under the latter category, so you’ll need comprehensive coverage if you want to save on your next trip to the repair tech.

What Is It Going to Cost Me?

Generally, drivers file claims on hail damage so that they don’t have to pay for repairs out of pocket. However, in most cases you will have to pay your deductible fee no matter what. Sometimes this can be a hefty chunk of change, and if the deductible outweighs your repairs it may be worth it to forgo the claim. In any case, hail damage will almost always cost more than your deductible. Luckily, paintless dent repair was designed to be quick and affordable, so you can get back on the road fast without putting a huge hole in your wallet!

Do I Have to Fix It?

Hail storms are capable of wreaking immense havoc on homes and vehicles. Every year they responsible for over $1 billion worth of property damage in the United States alone. Needless to say, Sioux Falls hail damage is more than a minor inconvenience. Sometimes it can even completely total your car. Ultimately however, the decision to repair it is up to you as long as the car is yours and not under lease or warranty. If you plan to keep the check and live with some cosmetic damage, bear in mind that many repair companies require that you get your car fixed before they send you a check. Few will send you the amount for your estimate minus the deductible before hand.