Does Hail Damage Claim Increase Insurance Premiums

One of the questions that comes up a lot for Colorado vehicle owners is this, “Does hail damage claim rise insurance rates?” Hailstorms are common here, which is why all vehicle owners are recommended to have hail damage coverage. However, many are hesitant because they’re afraid this could cause their insurance rates to skyrocket—but really, what is the truth behind this? 

The Answer is…

No.  To simply put, weather damage isn’t due to your negligence, which means your insurance company will not increase your rate. The only time it could increase is when you filed a claim within three previous years and the hail claim is your second claim.

In fact, even light hail damage might not even be enough to meet your deductible. While heavy hail can total your car, in which case you need to file a claim if your car is severely damaged that will exceed your deductible significantly. Don’t worry! Severe auto hail damage may also not necessarily increase your rates. 

Additionally, thanks to the “Act of God” in the state of Colorado that protects homeowners from anything that is naturally-occurring and that is out of your control. So, to go even further, any damage to your home caused by hail and other storms will not increase your insurance premiums. 

With that, hail damage in Colorado, whether on your vehicle or on your property, will not hike up your insurance rates, so you don’t have to worry about this at all. 


Now there’s a catch. Your individual rate may not increase, but if you live in an area prone to hail damage, the insurance company may charge everyone in that area with a higher base rate than other places. 

Conversely, if you have filed other accident claims, the total of claims could deem you high-risk, and this is when your insurance rates will increase. 

Hail Damage Claim and Coverage are Important

So, should you sustain vehicle hail damage, even if it only caused a few dents and dings, it’s crucial you file a claim. After all, you’re paying for the insurance, so why not use it? Moreover, minor damages can cause further issues if left unaddressed. 

You need to have a reliable hail insurance company that will suit your needs and attend to your concerns the moment you need it. The good news is, you won’t have a hard time finding one in Colorado. Since hail is frequent here, there are many insurers that offer auto hail damage coverage that will keep you protected. 

Aside from having the right insurance company that suits your needs, you should also know a company that provides quality auto hail repair. This is because you can choose who repairs your vehicle, so it’s vital that you do your research and make sure you have a reliable company you can turn to should your vehicle sustain damages due to a hailstorm. That way, you will be at ease that your vehicle will be repaired like brand-new in no time. 

For a reliable hail auto repair in Denver, CO Hail Free Solutions is here. We have a well-trained staff to restore your vehicle to its original state in the nation. Contact us today. 

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