The Unavoidable Hailstorm: Shield Your Ride and Deal with the Aftermath
Car Hail Protection Measurements and Insurance Liability for Related Damage
Summer showers can be more than a mere drizzle - they might spill hailstones that leave your car looking like a giant's marble collection. Here's your guide on protecting your vehicle, surviving the storm on the road, and claiming the damage from the right insurance.
Prepping Your Ride: General Measures
Keeping an eye on the weather forecast is essential, especially when hail is on the horizon. Download weather apps such as DWD WarnWetter, NINA, or KatWarn to get timely alerts about impending bad weather. If you can, park your car safely - a garage or carport is ideal, but if you're a street parker, consider switching to a public parking garage when forewarned. The extra cost might be worth it, shielding your vehicle from potential damage.
DIY Hailguard
If you can't park safely, hail protection mats from stores are a viable option, typically costing between 50 to 300 euros. The ADAC advises securing these mats tightly for optimal protection. A homemade hail shield can be made with blankets or cardboard, but make sure they're securely fastened to prevent them from flying free and causing more harm than good.
Cruising through the Storm
Sometimes, you can't avoid being on the road during a hailstorm. Stay sharp, keep both hands on the wheel, and slow down. Keep an eye on your lights, and avoid distractions like intense chats. If necessary, pull over safely, considering traffic conditions before turning on your hazard lights.
The Financial Responsibility
A lesser coverage insurance won't suffice for hail damage. Comprehensive insurance, which includes protection against hail and other unforeseen events, is necessary. Liability insurance, which mainly covers damages you cause to others, is of no help in this situation.
After the Storm
Prevent additional damage – be cautious, but don't put yourself in harm's way. Take photos and document the details, including the storm's date, time, and location. Contact your insurance company promptly to discuss the course of action and refrain from repairing the damage until you've consulted with them.
The Damage Assessment
Costs depend on the severity of the damage and the affected components. Deeper dents and multiple impacts will raise the repair bill substantially. Additional damage might include broken headlight covers, shattered glass panes, and more.
Sources:
- ntv.de
- awi/dpa
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- To ensure your vehicle is covered against hail damage, consider upgrading your insurance policy to comprehensive coverage, which provides protection against hail and other unforeseen events.
- In addition to comprehensive insurance, implementation of hail protection measures, such as purchasing hailguard mats or creating homemade shields using blankets or cardboard, can provide an extra layer of protection for your vehicle during hailstorms.
