Every spring, Texas drivers watch the radar and hope the hail misses them. When it doesn't, the coverage that matters is comprehensive. Here's what to know before the next storm.
Liability won't fix hail damage
The Texas minimum, 30/60/25 liability, pays for damage you cause to others. It does nothing for your own car. Hail, flood, fallen trees, theft, and hitting a deer are covered by comprehensive coverage, sometimes called "other than collision."
What comprehensive covers
- Hail and wind damage
- Flooding
- Falling objects like branches
- Theft and vandalism
- Fire
- Animal collisions
Choose your deductible carefully
Comprehensive has its own deductible. A higher deductible lowers your premium, but after a hailstorm you'll pay that amount before the insurance pays the rest. Pick a number you could cover on a bad day.
If hail hits your car
- Take photos of every panel, the roof, and the glass, in good light.
- Report the claim promptly. After big storms, adjusters get busy fast.
- Protect the car from more damage, especially if glass is broken.
- Be wary of door-to-door repair offers after a storm. Use a reputable shop and check with your insurer.
Before storm season
- Check that comprehensive is on your policy, and on every car you'd hate to lose.
- Park in a garage or covered parking when storms are forecast.
- Sign up for local severe weather alerts.
Weather is one reason Texas rates moved so much in recent years. More in Why Texas car insurance rates changed.
General information only. Coverage details vary by policy. Check your declarations page or ask a licensed agent.