Protection for a vehicle against hail damage and party responsible for reimbursement
Chilling Down Hail Storms: What Shields Your Ride and Who Bears the Cost for Repairs?
Let's face it, summer is not just about sunshine and vacations. Sometimes, it brings a stormy mix of dark clouds, heavy rain, and hail. Here's what you can do to keep your car in mint condition during these unpredictable weather events, and who foots the bill for the damages.
Up Your Weather Game
Stay one step ahead of Mother Nature by keeping an eye on the weather forecast, especially during summer. Use reliable warning apps like DWD WarnWetter, NINA, or KatWarn. If a hailstorm is on the horizon, grab your car and seek shelter in a garage or carport. If you don't have one at home, consider parking in a public garage. It might set you back a few bucks, but it's a small price to pay compared to the potential damage and stress.
Car Covers: Your (Makeshift) Umbrella
If you can't hide your car in a garage, protect it with a cover. You can find hail-resistant covers at your local store, ranging from €50 to €300. The ADAC recommends covers that can be securely and firmly attached to your vehicle to prevent them from getting loose and causing further damage. In a pinch, use blankets or cardboard for temporary protection. Secure them well to avoid any mishaps. Remember, your safety comes first, so never risk injury while attempting to protect your car.
Navigating the Storm While Driving
Sometimes, even the most alert drivers can't dodge a hailstorm while on the road. During these times, stay focused, keep both hands on the wheel, and slow down to match the driving conditions. Turn on your lights, avoid distractions, and if necessary, pull over safely and activate your hazard lights.
Who Takes the Hit for Hail Damage?
A partial coverage insurance policy typically covers hail damage, as does a comprehensive insurance policy. If you only have liability insurance, it's on you to shell out for the repairs.
Post-Hail Aftermath
Your duty of care requires you to prevent further damage after a hailstorm. Wait for the storm to pass before making any moves. Take reasonable steps to protect your car, like covering a damaged windshield with a piece of cardboard to keep rain out. Document the damage using photos, details about the hailstorm, and the location of your car. Notify your insurance company immediately so you can discuss the next steps. Steer clear of repairs without consulting your insurance provider first.
Pro Tip: If your partial coverage applies, you'll only have to pay the deductible you agreed to. Unlike comprehensive and liability insurance, there are no no-claims classes, so no downgrading after making a claim.
The Damage Assessment
The costs for repairing hail damage can vary widely. The severity of the damage and the components affected play a significant role. The larger the dents and the more numerous they are, the pricier the repairs. Other parts like headlight covers, glass panes, etc., may also be affected. Whether it's still worth repairing depends on the specifics of your case.
Sources:
- ntv.de
- awl/dpa
Key Concepts:* Consumer* Insurance Companies* Storm* Weather* ADAC
Additional Insights:
- Common Practices for Protecting cars from hail damage:
- Parking in a covered area
- Using hail-resistant covers
- Utilizing moving blankets or mats
- Folding side mirrors
- Staying informed through weather alerts
- The ADAC recommends using hail-resistant car covers as a protective measure, especially for those without garages or carports, as these can safeguard your vehicle from potential damages during hailstorms.
- Employment policies might include provisions for covering the costs of repair for instances of hail damage, particularly under a comprehensive insurance policy. However, in the absence of such coverage, individuals may bear the repair costs themselves, as only liability insurance may not cover hail damages.
