Does my auto insurance cover damage caused by a hailstorm or heavy rain?

Hailstorms can occur anywhere in the United States. They are, however, more frequent in the Plains states, including Nebraska, Kansas, Oklahoma, and Texas. Living in these parts means having optional comprehensive insurance to cover damage caused by a hail storm or heavy rain is recommended.

Damage from heavy rain may occur if the water gets into the vehicle. It may not be easy to dry the interior of the car completely. This continued dampness may result in the formation of mildew and toxic mold. You might have to tear out the carpet and replace it, along with the upholstery.

The potential damage from a hailstorm or heavy rain is a good reason to investigate affordable comprehensive auto insurance coverage. Read on to learn more about whether your auto insurance covers damaged caused by a falling object such as hail.

Does comprehensive auto insurance cover hail and rain?

Comprehensive auto insurance is a type of optional insurance. Comprehensive auto insurance covers losses resulting from hail, rainstorms, theft, vandalism, fire, floods, and other events that are not collisions. It also covers damage caused by animals, falling objects, and damage caused by certain natural disasters.

So what are the different types of auto insurance coverage? Each policy for comprehensive coverage may differ slightly, so it is best to review the terms and conditions of comprehensive insurance to know precisely what is covered.

Does auto insurance cover hail or rain damage to the interior of a vehicle?

Does auto insurance cover damage to the interior of a vehicle? If you have comprehensive coverage, it does cover interior damage under certain circumstances.

Interior damage caused by a hailstorm or heavy rain would typically be covered, even if the damage happened because you left the vehicle’s windows down.

What about an accident caused by a hailstorm or heavy rain?

Slippery roads and decreased visibility in a hailstorm or heavy rain are common contributing factors that cause accidents.

If your vehicle is involved in a collision, your collision coverage would be called upon to pay a valid claim. The general rule is that the vehicle must be put back into the same state as it was in pre-collision, subject to policy limits. (For more information, read our “Does auto insurance cover pre-existing damage?”)

Depending on the circumstances, your collision and comprehensive coverage will sometimes pay a valid claim for different portions of the damage.

Bundling Auto Insurance for a Discount on Coverage

Most people have questions such as how much auto insurance coverage do I need. There are your state’s legal minimum requirements that you must have.

Additionally, you may want better coverage than the bare minimums with higher policy limits and more coverage with comprehensive insurance for the many unfortunate things that might happen.

A good tip is there may be a better-discounted price when you get the full insurance package from the same company by bundling collision, liability, and comprehensive insurance together.

Carrying Comprehensive Auto Insurance for Hailstorm and Heavy Rain Damage

The peace of mind from having comprehensive coverage is very beneficial for many. However, the cost of this optional coverage may be too high for some budgets.

One factor to consider is the value of the vehicle and its age. Older cars with lower cash values do not need as much protection as newer, more expensive ones.

Assess your situation to see if purchasing extra insurance to cover your vehicle in anticipation of hailstorm or heavy rainfall damage makes financial sense.