Does Car Insurance Cover Hail Damage in Minnesota?

Introduction

Minnesota experiences significant hail storms, and understanding whether your car insurance covers hail damage is important for vehicle owners. The answer depends on the type of coverage you have.

Comprehensive Coverage and Hail Damage

Hail damage is typically covered under comprehensive coverage, which is optional coverage that protects against non-collision incidents.

What Comprehensive Coverage Includes

Comprehensive coverage protects against damage from weather events (including hail), theft, vandalism, fire, falling objects, and animal collisions.

How Hail Damage Claims Work

If your vehicle is damaged by hail, you'll file a claim with your insurance company. They'll assess the damage and pay for repairs minus your deductible.

Liability-Only Coverage

If you only carry the minimum required liability coverage, hail damage is not covered. Liability insurance only covers damage you cause to others, not damage to your own vehicle.

Filing a Hail Damage Claim

If you have comprehensive coverage and experience hail damage:

Document the Damage

Take photos of all hail damage from multiple angles. Note the date and time of the storm.

Contact Your Insurance Company

File a claim as soon as possible. Many insurers have mobile apps or online portals for faster claims processing.

Get an Estimate

Your insurance company will likely send an adjuster to assess the damage, or you may need to get estimates from repair shops.

Understand Your Deductible

You'll be responsible for paying your comprehensive deductible before insurance covers the remaining repair costs.

Preventing Hail Damage

While you can't prevent hail storms, you can take steps to minimize potential damage:

Cover Your Vehicle

Parking in a garage or under cover when possible can protect your vehicle from hail damage.

Monitor Weather Alerts

Stay aware of severe weather warnings and move your vehicle to a protected location when possible.

Key Takeaways

• Hail damage is covered by comprehensive coverage, not liability-only
• You'll pay your comprehensive deductible before coverage applies
• Document damage thoroughly and file claims promptly
• Take preventive measures when possible

Next Steps

If you're unsure whether you have comprehensive coverage or need to file a hail damage claim, contact your insurance company or agent for guidance.