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Will Hail Damage Make My Insurance Rates Go Up?
No. Insurance companies classify claims into two categories: (1) Collision, and (2) Comprehensive. Hail damage is a comprehensive claim and is considered an act of nature. Acts of nature will not increase your insurance rates.
Do I Have To Go Where My Insurance Company Tells Me To Go?
NO! By law, the choice is yours. If you do choose their shop, you will pay your deductible. They are under contract and must charge you. David’s Hail & Collision Repair is as reputable as any company they recommend – we just pass the savings on to you.
What If I Do Not Get My Vehicle Repaired?
There is an “unrepaired damage waiver” in your insurance policy. The paid amount of your unrepaired hail damage will be deducted from any future claims on your vehicle. Although it’s tempting to keep the initial check, insurance companies commonly tend to underwrite their initial estimates, sometimes by half of the actual amount needed for repairs. If you decide to keep the money, you have settled your claim and not actually recouped the total value lost.
How Long Do I Have To Get My Vehicle Repaired?
Insurance checks are normally good for 180 days. However, your estimate is based on current labor and part rates. Waiting will also increase your risk for “unrepaired damage” complications.
How Long Will The Repair Process Take?
From start to finish, most repairs can be completed in as little as a week. Vehicles that require conventional repairs may require longer repair times depending on parts availability and body shop schedules. Insurance adjusters can also delay the process if they are overbooked and take longer than normal to approve supplements.
What If I Don’t Have Rental Car Coverage?
Don’t worry, we have you covered. David’s Hail & Collision has a free rental car program for customers who don’t have coverage. There are limitations depending on the severity of damage your vehicle sustained. Call or stop by today to see if you qualify.
THE HAIL CLAIM PROCESS
David’s Hail & Collision Repair Will Help You File Your Claim, Negotiate With Your Insurance Company And Repair Your Vehicle To Pre-Storm Condition.
1. FILE YOUR CLAIM
Call the 800# on the back of your insurance card to file a hail claim. They will need date, time of storm and where vehicle was located. For your convenience, David’s Hail & Collision Repair can file the claim for you.
2. INITIAL INSPECTION
Schedule an adjuster to do the initial inspection at your home, work, or our shop. Writing the initial estimate with us could eliminate the need for a supplement and help avoid delays in repair time.
3. SCHEDULE REPAIRS
Once you have the initial estimate from your insurance company you are ready to schedule your vehicle for repairs. Call one of our friendly hail professionals to book your appointment today.