Between your work, family, and social calendars, you’re pressed for time to deal with hail damage to your car. The hassle of filing a car insurance claim, as well as taking your car to the shop, can seem overwhelming with an already packed schedule. But, auto hail damage isn’t an issue to be avoided. When dealing with your hail-damaged car, make sure to avoid the mistakes listed below. By steering clear of these common missteps, you can get your vehicle repaired faster and avoid future complications.
Don’t Wait To Call Your Insurance Agent.
One of the first mistakes that many Denver car owners make when handling a hail-damaged car is waiting to call the insurance company. The insurance company may question whether the damage was exacerbated in the time between the date that the hail damage occurred and the date of the call to your insurance provider. After all, if you continue to drive your vehicle in that time frame, dents, dings, paint damage, and damaged glass could be made worse by factors other than the initial hailstorm.
If the insurance company suspects that the hail damage to your vehicle was impacted by factors that were within your control, your claim could be in jeopardy. So, for the best chance of approval for your auto hail damage claim, make sure to call your insurance agent ASAP after a hailstorm.
What If I Only Have Auto Liability Insurance?
Auto liability insurance is required for drivers in most U.S. states, including Colorado. This type of insurance protects the property of other drivers on the road should you get in an accident and be found to be at fault for the damage.
Auto liability insurance doesn’t cover hail damage. For auto hail damage protection, you’ll need comprehensive coverage from your insurance company. But, even if you only have auto liability insurance, make sure to contact your insurance agent after your car has been damaged in a hailstorm. Your agent can discuss your options and help you get the coverage that you need for protection should your car incur more hail damage in the future. Considering the high number of hailstorms that occur in Denver every single year, you’ll benefit from getting adequate insurance sooner rather than later.
Don’t Miss The Adjuster Assessment.
The adjuster assessment is a crucial component in the process of getting your hail damage claim approved. At the adjuster assessment, (or appraisal, as it’s also often called), is the time at which a representative from your insurance agency looks over the hail damage and determines a cost estimate for repairs. The estimate determined by the appraiser will have a big impact on whether or not your insurance company provides coverage for your vehicle’s hail damage.
Have an Adult Home When the Appraiser Arrives.
Oftentimes, an insurance company will send an appraiser to your Denver home to assess the vehicle. This is convenient and can allow you to carry on with your day without having to drive to a different location. However, make sure that you or another adult is present for the appraisal. At this time, you can ask the appraiser any questions that you have, as well as provide them with the requested materials. If you miss the adjuster assessment, it will likely slow down the claim process.
Don’t Try To Fix The Damage Yourself.
Whether you’re a DIY fanatic or are just looking to save some cash, you may be tempted to fix auto hail damage on your own. While we get the temptation, having a professional repair the damage to your vehicle will save you time and money in the long run. This is because when hail damage is dealt with improperly, it can cause further damage to your vehicle and require more extensive repairs down the line.
DIY paintless dent repair can, in particular, be damaging to your vehicle. Without the expertise of a professional, paintless dent repair can damage your car’s paint job and even exacerbate the dent. To protect the condition of your vehicle and ensure that it’s properly repaired, enlist the help of your Denver paintless dent repair specialists. We’ll take care of your vehicle and protect it from future damage.