Comprehensive vs. Collision Insurance: What Actually Covers Hail Damage?
Many drivers don't know which type of insurance covers hail until they need to file a claim. Here's what you need to know.
The Short Answer: Comprehensive Coverage
Hail damage is covered by comprehensive auto insurance — not collision. This distinction matters because the two coverages have different deductibles, and many drivers only carry collision coverage on older vehicles.
What Is Comprehensive Coverage?
Comprehensive coverage protects your vehicle against damage from events outside your control: weather (hail, flooding, tornadoes), fire, theft, vandalism, and animal collisions. If a hailstorm destroys your car, comprehensive pays for repairs minus your deductible.
What Is Collision Coverage?
Collision covers damage from your vehicle hitting another vehicle or object. It does NOT cover weather events like hail.
Checking Your Policy
Log into your insurance portal or call your agent to verify you have comprehensive coverage and know your deductible. Common comprehensive deductibles range from $250 to $1,500. Lower deductibles mean higher premiums but less out-of-pocket cost when you file a claim.
Texas Hail Claims and Rate Increases
In Texas, a single comprehensive weather claim typically does not increase your insurance rates — weather damage is considered an "act of God." However, multiple claims in a short period may trigger rate reviews. Always consult your agent before deciding whether to file.
Get Your Free Estimate
VIP Hail Service provides free estimates and works directly with all major insurance companies. Call 469-400-8939 to schedule yours.