Hail Damage And Auto Insurance Claims: What To Know

​Living in Portland, OR, means experiencing a wide range of weather conditions, including the occasional hailstorm. While these storms can be fascinating to watch, they can also wreak havoc on your vehicle. That's where auto insurance comes into play. In this guide, we'll explore what you need to know about dealing with hail damage and making auto insurance claims in Portland, OR.

Understanding Hail Damage to Your Vehicle
Hailstones, even small ones, can cause significant damage to your vehicle. The impact of hail can result in:

• Dents and Dings: Hail can leave your car covered in small to large dents and dings, affecting its appearance and resale value.
  
  
• Cracked Windshields: Larger hailstones can crack or shatter windshields, impairing your visibility and safety.
  
  
• Paint Damage: Hail can chip or scratch the paint on your vehicle, leading to rust and further damage if left untreated.

Does Auto Insurance Cover Hail Damage
In most cases, auto insurance policies in Portland, OR, cover hail damage under comprehensive coverage. Comprehensive coverage is an optional insurance component that covers damage to your vehicle caused by events other than collisions. These events may include hailstorms, theft, vandalism, or even hitting an animal.

Steps to Take After Hail Damage:

1. Assess the Damage: Inspect your vehicle thoroughly to document the hail damage. Take photos and notes of all visible damage, including dents, dings, and cracked glass.
   
   
2. Contact Your Insurance Provider: Report the hail damage to your auto insurance company as soon as possible. They will guide you through the claims process and provide you with the necessary forms.
   
   
3. File a Claim: Follow your insurer's instructions for filing a hail damage claim. Provide all requested documentation, including photos, a description of the damage, and any relevant police reports if applicable.
   
   
4. Get Estimates: Your insurer may require estimates for repairs. Get multiple quotes from reputable auto repair shops in Portland, OR, and share them with your insurance company.
   
   
5. Repair Your Vehicle: Once your claim is approved, you can proceed with repairing the hail damage. Your insurer will either reimburse you for the repairs or work directly with the repair shop.

Understanding Deductibles:
Keep in mind that your auto insurance policy likely has a deductible for comprehensive coverage. You'll need to pay this deductible out of pocket before your insurance kicks in to cover the rest of the repair costs. Higher deductibles typically result in lower insurance premiums.

Conclusion: 
Hail damage can be a frustrating and costly experience for vehicle owners in Portland, OR. Fortunately, having comprehensive auto insurance coverage can provide peace of mind knowing that you're protected against the financial burden of hail damage repairs. If you encounter a hailstorm and suspect damage to your vehicle, follow the necessary steps to file an insurance claim promptly. By taking action and working with your insurer, you can ensure that your vehicle is repaired and back on the road, ready to tackle Portland's diverse weather conditions.

At Arnold, Bruce & Doerfler Insurance, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (503) 222-1951 or Click Here to request a free quote. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​