Hail precipitation can do an astonishing amount of devastating damage in only a few minutes. If you have stood by watching or later discovered that your vehicle sustained damage from a hailstorm, you might feel quite defeated. However, a reputable attorney can help get your claim approved and paid.
A 2016 Highway Loss Data Institute (HLDI) study estimated that the payout for all hail-related claims under automobile insurance comprehensive coverage to be $7.26 billion between 2008-2014. For auto insurance companies that are for-profit, this is a large sum to pay for a weather-related event. Many vehicle owners have to fight and play their insurance company’s games to get hail damage covered, even though it is in their insurance declarations. Successful claims start with knowing how to file your claim correctly and contacting a well-versed Orange County insurance claims attorney for questions or delays in the claim.
How to File an Auto Insurance Hail Damage Claim
Once the hailstorm is over, it’s time to call your auto insurance company and begin a claim. If you have comprehensive insurance coverage, you can file an auto insurance claim for the damage. Most insurance carriers have several ways to contact them to report damage, usually by phone, on their website, or even in an app. When you call, they will ask you the specific date, time, and location of your vehicle during the storm as well as other details.
Common Pitfalls When to Avoid Filing a Hail Damage Claim
It is crucial that you are as specific as possible when answering their questions. They are recording what you say, and once your claim is filed, you cannot go back and change your answers. Remember that insurance companies will look for any excuse not to pay your claim or to pay less than it is worth so that they can make more money. By working with a knowledgeable Orange County insurance claims lawyer, you can avoid these common pitfalls when filing your hail damage claim.
When asked what part of your vehicle sustained hail damage, it is best to say all of it. It can be narrowed down later, but once you name specific parts, you are locked into your answer. If you later find more damage in a spot you didn’t previously mention, the insurance company could refuse to pay for the damage.
You will also be asked where the car was during the storm; was it parked at home in your driveway, in the parking lot at work, or was it being driven? Insurance companies consider it reckless driving to continue driving through a hailstorm when there is a safe place to pull over. If you didn’t pull over when the hailstorm began, your insurance company might assert that you were driving recklessly and refuse to pay your claim.
How an Orange County Insurance Claims Attorney Can Help
Your insurance policy is a contract between you and your insurer. When the insurer unfairly denies your claim or delays processing it, they are not acting in good faith. Having an Orange County insurance claims attorney on your side when filing or pursuing your claim can ensure the insurance company is held accountable and that you receive maximum compensation for the severe damage that hail caused your vehicle.BACK TO BLOG