Will a Hail Damage Claim Raise My Insurance?

For Denver drivers, dealing with hail damage is often an inevitable part of car ownership. Colorado’s frequent hailstorms can leave dents, dings, and other costly vehicle damage. Many drivers wonder if filing an insurance claim for hail damage will increase their premiums, adding financial stress to an already frustrating situation. Hail Medic often collaborates with insurance companies and can explain how insurance companies typically handle hail damage claims and what you need to consider.

Close-up image of small hail ice balls on green car hood after heavy summer with selective focus at daylight.

Understand “No-Fault” Claims

Hail damage is considered an “act of nature,” meaning it’s beyond your control. For this reason, hail damage claims usually fall under the “comprehensive” portion of your insurance policy rather than “collision” coverage. Since hail is not the driver’s fault, most insurers view it as a no-fault claim. This often means that filing a claim for hail damage shouldn’t directly lead to a premium increase.

Possible Exceptions to Be Aware Of

While many insurance companies won’t raise rates for no-fault claims, there are some situations where repeated claims could lead to higher premiums. If you file multiple hail damage claims within a short period, your insurer might consider you a higher-risk policyholder, which could affect your rates. Additionally, premium increases may vary depending on your policy terms. Some insurers may have different thresholds or rules about no-fault claims, so it’s always a good idea to check with your provider about their policies regarding hail damage.

The Role of Deductibles

Consider your deductible if you’re concerned about the financial impact of filing a hail damage claim. Most comprehensive policies have deductibles you’ll need to pay out of pocket before insurance covers the remaining repair costs. For minor hail damage, paying for repairs yourself might make more financial sense if the price is close to or below your deductible. On the other hand, if the hail damage is extensive, filing a claim can save you significantly.

Protect Your Premiums

To protect against future premium increases, try implementing preventive measures to safeguard your vehicle during hail season. Simple steps like parking in covered areas, using protective car covers, or monitoring weather alerts can help minimize potential damage. While not every hailstorm is predictable, taking precautions when possible can help you avoid the hassle of repeat claims.

Partner with a Trusted Repair Provider

At Hail Medic, we understand that hail damage repairs can feel overwhelming. Our team is here to make the repair process as smooth as possible and to work directly with your insurance company to ensure that claims are handled quickly and accurately. We’re dedicated to helping Denver drivers restore their vehicles without added stress so you can get back on the road with peace of mind.

While a single hail damage claim typically won’t increase your insurance premium, understanding your policy and taking preventive measures can help you make the best decisions for your vehicle and wallet. And if hail strikes, Hail Medic is here to provide expert, year-round repair solutions. If you have questions or need reliable hail damage repair, contact us at (720) 609-2976. We’re here to help Denver drivers navigate hail damage with confidence.


Vigderman, Aliza. 2024. “Auto Insurance Claims That Increase Rates.” AutoInsurance.com (blog). AutoInsurance.com. August 16. https://www.autoinsurance.com/guide/auto-claims-increase-insurance-rates/.

Longera, Laura. 2024. “Hail Claims Basics: How Car Insurance Covers Hail Damage.” CarInsurance.com (blog). QuinStreet, Inc. June 4. https://www.carinsurance.com/hail-damage-claims.asp.