Central Texas sits in the middle of hail alley, and one spring storm can put hundreds of dents in a vehicle in minutes. The good news: hail damage is exactly what the comprehensive part of your auto policy exists for.
Comprehensive coverage is the key
Hail is not a collision, so it falls under comprehensive coverage. If you carry it, your insurer pays for the repair minus your comprehensive deductible. If you only carry liability, hail damage is unfortunately out of pocket.
What the deductible really means
You pay your deductible, the insurance pays the rest. On a heavily hailed vehicle the repair bill routinely runs into the thousands, so a $500 deductible on a $4,000 repair means insurance carries most of the weight. One honest note about glass: Texas allows insurers to waive the deductible for windshield repair, but a full windshield replacement uses your deductible like any other claim. Anyone promising a free replacement windshield is not telling you the whole story.
How the claim works at AGC
- You call us or your insurer first, either order works
- We photograph and document every panel and glass hit
- We work directly with your adjuster so you do not play middleman
- You pay your deductible, we handle the rest of the paperwork
Watch for storm chasers
After every big hail event, out-of-town repair crews flood into Bell County, work fast, and leave before the warranty questions start. We are here year round. If a company knocking on your door after a storm has no local address, that is your answer.