Hail damage to your car can range from minor scratches to serious issues like cracked windows or major body damage. Comprehensive insurance covers hail damage, with 80% of insured drivers opting for this coverage. Liability insurance is required by most states, while collision coverage helps with crash damage. Hail damage claims typically won’t raise premiums, but rates may increase after severe weather events. Repairs can be done through paintless dent repair for minor damage, but extensive repairs may be needed for more severe hail damage. If your car is totaled by hail, your insurer will compare repair costs to the car’s value before damage to determine the payout. If financed or leased, your lender may require you to use insurance money for repairs. If you own the car outright, you have more flexibility in using the insurance payout.

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