Does Car Insurance Cover Hail Damage?

Comprehensive car insurance covers hail damage, minus your deductible. Liability and collision do not.

By the Home & Dime Editorial Team · Last updated 2026

Why comprehensive

Hail is a weather event, not a collision, so it falls under comprehensive.

What it covers

• Dented panels, hood, roof.
• Cracked glass.

Frequently asked questions

Does liability cover hail?

No — only comprehensive.

Will it raise my rates?

Weather claims are less likely to than at-fault crashes.

The bottom line

Carry comprehensive and hail is covered; without it, repairs are out of pocket.

Related guides

• Comprehensive vs. Collision Coverage, Explained

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.