Will my insurance rates go up after a hail claim?
No. A comprehensive claim for hail damage does not raise your rates. Hail is treated as an act of God rather than an at-fault incident, so it is not counted against you the way a collision claim is.
Why hail is treated differently
Rating is built around risk you control. An at-fault collision says something about how the car is driven; a hailstorm says nothing at all. That is the reason comprehensive claims sit in a separate category, and why insurers do not surcharge an individual policy for one.
What can still change
Premiums across a region can move after a severe storm season, because the insurer is repricing the whole area rather than reacting to your claim. That happens whether or not you file. Choosing not to repair a covered vehicle does not protect you from it — it just leaves you with the damage.
The cost of waiting
Hail damage does not stay still. Metal expands and contracts with seasonal temperature swings, and dents with cracked paint start to rust. Claims also have filing deadlines. Documenting the damage early keeps both the repair and the claim straightforward.
Other questions
What we do
This Isn't a Typo — Take Your Pick
You've been paying comprehensive coverage for years. With every full hail repair, pick a free gift.
PlayStation 5 (Disc Edition)
iPad Air M4 (128GB)
What you get
- Brand new PlayStation 5 (Disc Edition) — $499 value
- Brand new iPad Air M4 128GB — $599 value
- Gift value: up to $599
- PLUS: $0 repair cost
- PLUS: free luxury rental car
- PLUS: lifetime warranty
How it works
- Book your hail repair consultation (free)
- We document all damage using Light Booth technology
- Insurance approves the claim
- We fix your car in 2 days
- You drive away with a perfect car + PS5 + iPad
Limited availability
- Only 50 gift bundles per month
- First come, first served
- Must mention this offer when booking
Still have a question about your car?
The free estimate takes 30 seconds and gives you a real number, not a guess.