Short answer: yes, if your policy includes comprehensive coverage. Hail is a weather event, so it falls under comprehensive, not collision. Liability-only policies, the minimum required in Arizona, do not cover hail damage to your own car.
Check your declarations page or your insurance app for "comprehensive" or "other than collision." If your car is financed or leased, your lender almost always requires it, so you very likely have it.
Your comprehensive deductible applies to a hail claim. Some hail repair shops, including ours, pay the deductible up to $1000 so the repair costs you nothing out of pocket.
Hail claims are comprehensive claims for weather damage, not at-fault accidents, so they typically don't raise your rate the way an at-fault accident does. Every insurer is different, so ask your agent if you are unsure.
Yes. Your insurance company can recommend a shop, but you can have your car repaired at the shop you choose.
Policies require you to report damage promptly, and waiting makes it harder to show which storm caused the dents. File as soon as you can after the storm, ideally within days.
Insurers like State Farm, Farmers and Allstate often approve hail claims within 2 to 3 days. Others send the estimate to a third-party company, which can take up to 2 weeks. After approval, most repairs take about a week.
Aaron's Hail Repair, 2024 N 27th Ave, Phoenix, AZ 85009, works with every insurance company, meets your adjuster at our shop, pays your deductible up to $1000 and provides a free rental car.
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