Lilah Butler, Car Insurance Writer
@lilah_c
Yes, State Farm covers hail damage for policyholders with comprehensive car insurance. Comprehensive insurance is a type of coverage that pays to repair or replace a car that was damaged by something outside of the policyholder’s control, like a hail storm, vandalism, or a collision with an animal. Drivers who do not have comprehensive insurance from State Farm will need to pay out of pocket for hail damage to their vehicle.
Comprehensive insurance is not required by any state laws, but it is usually mandatory for leased or financed cars. Additionally, comprehensive coverage is subject to a deductible. As a result, it might not be worth filing a claim if the cost of repairs is less than or only slightly more than your deductible.
Just bear in mind that hail damage to your windshield or windows might have a different deductible in some states. For instance, insurers in Florida, Kentucky, and South Carolina cannot charge a deductible for repairing or replacing your windshield, so windshield repair/replacement is free if you carry comprehensive insurance.
People also ask
Is comprehensive insurance worth it?
Comprehensive insurance is worth it if the premium is a small percentage of the car’s value. Comprehensive insurance might also be worth it if the policyholder cannot afford to replace the vehicle without comprehensive coverage, or if the car is driven or parked in a particularly risky area.
Although comprehensive insurance is not mandatory in any state, dealerships and lenders frequently require comprehensive insurance, along with collision coverage, on leased or financed cars. In...
read full answer by WalletHub, Financial CompanyDoes insurance cover vandalism?
Yes, insurance covers vandalism as long as the driver has comprehensive coverage on their policy. Comprehensive insurance coverage pays to repair or replace a vehicle that is damaged due to something other than a car accident, such as vandalism or a natural disaster, so the policyholder only has to pay a deductible. For example, common comprehensive claims for vandalism include smashed headlights, graffiti, broken windows, and keyed cars.
Comprehensive insurance is not mandatory under any...
read full answer by WalletHub, Financial CompanyWhat does State Farm comprehensive insurance cover?
State Farm comprehensive insurance covers damage to the policyholder’s car that was caused by something other than a collision, such as vandalism or a natural disaster. State Farm comprehensive coverage will pay up to the actual cash value of the vehicle, minus any deductible, for covered repairs.
What State Farm Comprehensive Car Insurance Covers
- Theft
- Vandalism and damage from civil disturbances
- Damage from falling objects, like trees
- Fire damage
- ...
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