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Post Time - 6:19 PM Post By - Jana Purcell

Claiming Hail Damage with Your Auto Insurance

Claiming Hail Damage with Your Auto Insurance

Protecting You and Your Car from Damaging Hail

This is that time of year when the weather can be unpredictable. While we are on the safer side of that window with summer upon us…hail falls on the commonwealth relatively rarely, when it does the damages can be severe. Hail quarter-sized or smaller is typically limited to cosmetic automobile damage (minor collision) such as dings, dents, and broken windows. Even though the damage might be superficial, the repairs can be complex. Make sure you have comprehensive coverage with your insurance to cover the costs of severe hail damage. Some damage may be minor enough that you can pay out of pocket because your deductible is too high. Let the experts at your local auto body shop communicate with your insurance company to get you the best solution.

Is a Claim Worth it and Does the Insurance Rate Go Up if I File a Claim?

Determining whether a claim is worth it and whether it will impact your insurance rates depends on several factors. First, it’s important to consider the nature and severity of the claim. If the cost of repairs or damages exceeds your deductible significantly or if it involves injuries or significant property damage, filing a claim may be worth it. However, for minor damages that are close to or below your deductible, it might be more financially prudent to handle the expenses out of pocket to avoid potential rate increases.

Regarding insurance rate increases, it’s worth noting that filing a claim can sometimes lead to higher premiums. Insurance companies consider multiple factors when determining rates, and a history of claims or accidents can be seen as an increased risk, resulting in higher premiums. However, this varies among insurance providers, and each situation is unique. Some insurers offer accident forgiveness programs or have policies in place that protect against rate hikes for first-time or minor claims. It’s advisable to review your insurance policy, consider the potential long-term impact on premiums, and consult with your insurance provider to understand how filing a claim may affect your rates.

When choosing an auto body shop be sure to ask for insurance claims assistance. Be certain by calling your local auto body shop and making sure they provide the service and are willing to communicate with you throughout the claim. Certified technicians and estimators will be more qualified in asking insurance claim questions and getting the best answers with the repairs that are needed once they determine the damage.

Solutions: Protecting Your Car from Hail Damage

Try and prevent damage during heavy storms and hail season. Protecting your car from hail damage requires proactive measures and careful consideration. One effective solution is to park your vehicle in a covered garage or carport whenever possible, providing a solid shield against hailstorms. If covered parking is not available, utilizing a hail car cover can serve as a valuable defense mechanism. These specially designed covers are equipped with thick padding to absorb impact and prevent dents. Additionally, staying informed about weather forecasts allows you to take preventive action by parking in a sheltered area or using hail blankets to shield your car. Being prepared with a comprehensive insurance policy that covers hail damage is another essential aspect of safeguarding your vehicle. By implementing these solutions, you can minimize the risk of hail damage and maintain the pristine condition of your car.

If you are looking for a reputable auto body shop in Stratford that helps with insurance claims assistance due to hail damage, CT give Towne Body Shop a call today at 203.375.5288.

If you are in need of Auto Repair Services, major collision repair or minor collision repair to your vehicle in Fairfield County and the surrounding area, visit Towne Body Shop at 1298 Stratford Ave., Stratford, CT 06615 and call us at 203.375.5288.

Towne Body Shop is a locally owned and operated I-Car® Gold Class® auto repair shop in Stratford, CT providing exceptional customer service, high-quality collision repairs, insurance claims assistance, tow assistance, rental car assistance, and more since 1952. Towne Body Shop is a recognized certified body shop for BMW, Subaru, Kia, Hyundai, Infiniti, Nissan, and Ford repairs, as well as Mopar FCA US LLC certified collision repair center and Certified Assured Performance. Let us know how we can help in your time of need.