Hail Damage, Your Auto and Car Insurance in Sandpoint, ID

Whether you’re out exploring Schweitzer Mountain or are taking your kids to school at Northside, you are going to need to seek shelter in order to protect yourself from serious injury. However, you may not be able to find an adequate cover for your vehicle in Sandpoint, ID. This means that your auto may experience hail damage, which could go much deeper than the vehicle’s clear coat.

Understanding the Levels of Hail Damage

Hail damage can range from a couple of minor dents or barely penetrating your clear coat to more serious damage resulted in shattered glass and damage to the body panel. In some cases, the hail damage may be so severe that your vehicle is totaled by the insurance company.

How Does Your Car Insurance Work?

When you have a personal auto insurance policy, you have various coverage options to choose from. If you are currently paying on your vehicle, then it may be required to have both comprehensive and collision coverage along with your liability coverage. However, if you own an older vehicle or it is paid off, then you may have liability only coverage for your vehicle.

Obviously, collision coverage isn’t going to come into play with hail damage, but comprehensive coverage will. Comprehensive will protect against various losses, including theft, fire, vandalism and weather-related events such as hail.

Steps to Take When Your Car Suffers Hail Damage

If your vehicle suffers minor or significant hail damage, it is crucial that you report the damage immediately to your insurance company. You can do this by speaking to one of our independent agents in Sandpoint, who can file the claim and explain the various repair options that are available to you based upon your policy.

If you are uncertain whether or not your vehicle is covered in the event of a hailstorm, give us a call today so that we can review your policy and update it for you, if necessary. After all, the last thing you want is to find out that your vehicle is not properly insured under Idaho law to pay for the repairs associated with hail damage, leaving you to pay for the repairs out of your own pocket.