Hail Insurance for your Car

Monday, September 21, 2015

hail-dents-on-hood-of-car

Each year in Western Canada, hail does its worst to Alberta vehicles. In fact, Alberta is known for its violent hailstorms . In 2014, a severe August hail storm in Alberta hammered thousands of vehicles and homes costing insurers $450 million.

Hail can appear to be harmless at first. It may look like frozen snowfall, and it generally lasts for only a few minutes. But it can become serious very quickly. Hail can vary from the size of pebbles to as large as softballs or bigger.

Damage to vehicles can be minor dimples in a car’s hood, or hail can be so severe that it ruins a vehicle by breaking headlights, taking out windshields, and leaving cavernous dents in the body.

Make sure your vehicle is covered by insurance

If you live in a hail-prone area such as Western Canada, it‘s smart to have hail coverage in your car insurance policy.

Generally, a comprehensive vehicle insurance policy covers damage for certain perils such as flooding, fire and hail. This coverage is optional. If you have a newer vehicle, you want to make sure that it will be repaired if you’re caught in a hailstorm. If you don’t have hail coverage, you may find that one severe storm could leave you with a very expensive repair bill.

If you have made a claim for hail in the past, make sure that your insurance policy will cover you if you are inflicted with hail damage again. Some policies will exclude hail damage insurance if you have claimed it once.

Aside from making sure that you have insurance coverage, you can do your best to protect your car from being vulnerable to hail damage. If you are caught in a hailstorm while driving , try to find cover immediately. Look for an underpass or head for indoor parking at a mall. If a hailstorm is predicted, keep your car out of the danger in a protected location such as your garage.

Editor’s Note: This article was originally posted on Tuesday, July 3, 2012 and has been updated for relevancy and accuracy.

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