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 in some states hail damage to your windshield or windows might have a different deductible. For instance, insurers in Florida, Kentucky, and South Carolina cannot charge a deductible for windshield replacements. And in Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurers must offer full glass coverage with no deductible, which might be separate from or part of comprehensive insurance.
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