If you live in or around Colorado Springs, you know that hail season is utterly spectacular. The Colorado Springs/Denver metro area experiences the most severe hailstorms when compared to every other region in the United States. That’s a lot of severe hail!
As a car owner, severe hail in Colorado Springs presents a near-constant risk for automotive hail damage. While you can’t control Mother Nature, you can take preventative measures to protect your car from hail, both before and during a storm.
Types of Automotive Hail Damage
Hail, especially severe hail like we see in Colorado Springs, can cause all sorts of damage to cars. From the glass to the paint and even the underlying frame, the entire car structure is at risk for automotive hail damage.
Types of automotive hail damage include:
- Scratches to paint and metal
- Chipped paint
- Shattered side windows and windshield
- Chipped or cracked windows and windshield
- Damage to the sunroof
- Damage to the vehicle’s frame
Insurance for Colorado Hailstorms
Before the start of hail season, Colorado Springs car owners should prepare for the possibility of automotive hail damage by making sure that they’re sufficiently insured. Not all types of car insurance will cover hail damage, which could force you to pay a high repair bill out-of-pocket.
Liability-only coverage, (or “auto liability” coverage, as it’s also called), is a requirement for drivers in most U.S. states, including Colorado. This type of insurance protects other drivers and their property in the case that you’re found responsible for an accident. However, it does not cover hail damage to your vehicle. For the insurance company to pay for automotive hail damage, you’ll need to purchase comprehensive coverage.
Comprehensive insurance coverage will provide compensation for vehicle damage caused by uncontrollable factors, like the weather. If you’re covered by a comprehensive plan, your insurance company will pay for at least some of the cost of repair or replacement for hail damage. You will, however, have to pay your plan’s deductible when you make a hail claim.
A Colorado automotive hail repair company can help you with the insurance claim process after a hailstorm. Consulting a hail repair expert can help you make sure that your claim gets approved.
Avoiding Automotive Hail Damage During a Hailstorm
Scope Out Covered Parking.
Covered parking is the best way to prevent automotive hail damage. If you’re out on the road during a hailstorm, try to find some type of covered parking as quickly as possible. A gas station or parking garage is likely to be your best bet.
Cover Your Car.
If you get caught in a hailstorm and can’t find a protected place to park, the next best option is to cover your car with some type of protective layer.
Protective car covers designed to prevent automotive hail damage are available. This type of protective cover is great to keep in the back of your car as a Colorado Springs driver, just in case a hailstorm catches you off-guard.
If you don’t have a protective car cover, you can use blankets or towels. Any type of covering can prevent dents, dings, and scratches. As a last resort, the floor mats in your car can work as makeshift coverings.
Hail Damage Prevention Tips
During peak hail season, check the forecast before you leave.
If you don’t know that a hailstorm is coming, it’s impossible to prepare for it. So, from mid-April through mid-September, check the forecast every day before driving off. If a hailstorm is in the cards for the day, be sure to plan accordingly by parking in a protected area.
If your home doesn’t have a garage, find a protected parking spot to rent.
Ensuring that you can access a covered home parking spot is essential during Colorado’s hail season. If you have the space, buying a carport may be the most convenient option. Or, for car owners living in apartment complexes, renting a covered parking spot nearby is a smart choice.
Keep a protective cover in your car.
If you’re caught in a hailstorm out on the road, a protective car cover (as we discussed earlier) can often save you from automotive hail damage. Prepare for this scenario now by purchasing a car cover and placing it in the back of your car.