Does Auto Insurance Cover Hail Damage in Indiana?

Direct Answer:

Hail damage is covered by auto insurance only if you carry comprehensive coverage. Liability and collision coverage do not pay for hail damage.

What Comprehensive Coverage Includes

Comprehensive auto insurance typically covers:

• Hail damage

• Wind damage

• Theft or vandalism

• Fire

• Animal collisions

This coverage applies regardless of fault.

What to Know Before a Hail Claim

• Your deductible applies

• Claims do not affect fault-based accidents

• Coverage must be in place before the storm

Drivers without comprehensive coverage must pay out of pocket.

Indiana-Specific Insight

Hailstorms are common in Indiana, and vehicle damage can happen in minutes. Many drivers drop comprehensive coverage without realizing the risk.

A local Indiana insurance broker can review your policy and explain whether your vehicle is protected from hail damage.