Hail Damage and Your Auto Lease: What You Need to Know

Leasing a vehicle comes with many benefits—lower monthly payments, driving a newer model, and minimal long-term commitment. However, lease agreements also have specific responsibilities, especially concerning the vehicle’s condition. If your leased car suffered hail damage, you may be responsible for repairs before returning it. At Hail Medic in Denver, Colorado, we specialize in repairing hail damage on leased vehicles, helping drivers avoid unexpected costs and lease-end penalties. Understanding how hail damage affects your lease can save money and ensure a smooth return process.

Does Hail Damage Violate Lease Agreements?

Most auto lease agreements require you to return the vehicle in good condition, accounting for everyday wear and tear. However, hail damage on a leased car—such as dents, dings, cracked windshields, and broken glass—is typically classified as excessive damage. If left unrepaired, the leasing company may charge you costly fees at the end of your lease term.

Since lease agreements usually require comprehensive insurance, hail damage is typically covered. However, filing a claim may not always be the most cost-effective option, depending on your deductible.

Does Insurance Cover Hail Damage to a Leased Vehicle?

If your leased car is damaged by hail, the first step is to check your auto insurance policy. Comprehensive insurance generally covers hail damage repairs, but there are a few key factors to consider:

• Your deductible: If repair costs are lower than or close to your deductible, paying out of pocket may be more affordable than filing a claim.
• Impact on premiums: While comprehensive claims usually don’t raise rates as much as collision claims, check with your insurer to confirm.
• Lease company requirements: Many leasing companies require that all damages be repaired before the lease return, even if you choose not to file an insurance claim.

Why Paintless Dent Repair (PDR) Is Best for Leased Vehicles

At Hail Medic, we specialize in paintless dent repair (PDR) to effectively tackle hail damage. This approach ensures your vehicle meets lease return standards while preserving its resale value. Many leasing companies prefer PDR since it revitalizes the vehicle's appearance while keeping the original paint intact, preventing potential penalties when the lease ends.

Why Choose Hail Medic?

At Hail Medic, we make hail damage repair easy and stress-free. Our expert technicians use PDR for high-quality results without repainting, and we work directly with your insurance to streamline the claims process. Plus, we provide a free rental car while your vehicle is in the shop. Don’t wait until your lease return date—handling hail damage now can save you from costly fees. Call (720) 609-2976 for a free evaluation, and let us restore your leased vehicle quickly and affordably!


Stonehouse, Andy. 2025. "In What Condition Do You Have to Return a Leased Vehicle." Capital One Auto Navigator (blog). Capital One Auto Finance. January 7. https://www.capitalone.com/cars/learn/managing-your-money-wisely/in-what-condition-do-you-have-to-return-a-leased-vehicle/3682.