If you carry full coverage in Kingwood, WV, your auto insurance should cover hail damage. The confusion seems to arise from the fact that not everybody carries full coverage.
Basic "full coverage" breaks down into three categories:
- Liability – This is the insurance that you are required by law to carry. Liability helps to pay the costs if you are held responsible for someone else’s injuries or property damages. But, liability does not cover you or your car. That’s what comprehensive and collision are for.
- Collision – This will help to pay for your damages if you are in an accident and the other party’s insurance does not pay for it. But it doesn’t cover anything besides a collision. That means that vandalism, a tree falling on your car, and of course, hail, are not included here.
- Comprehensive – This is the coverage you want if you want to make sure that you are covered against hail and other damages where you can’t say that anyone is at fault.
These three policies together make up "full coverage," but not total coverage. Total coverage means that you’re protected essentially no matter what, and that’s going to include gap insurance so that your insurer can pay the rest of your payments off for you, and replacement or better replacement insurance, so that you can get behind the wheel of a new car right away.
If you’re looking to get covered in Kingwood, WV, call Smith Insurance Agency of West Virginia, email us, or visit us at the Smith Insurance Agency of West Virginia offices to see what we can do for you.