Which Insurance Companies Pay for Hail Damage to Cars?

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Berlin. Rude awakening for vacationers in Northern Italy: At the end of July, severe storms swept across the popular holiday regions around Lake Garda, Milan and Veneto. Not only did violent squalls leave a path of devastation in their wake: hailstones the size of a golf ball also pattered from the sky. In the province of Friuli-Venezia Giulia, a hailstone with a diameter of 19 centimeters even broke the European record.

Storms of this type often come as such a surprise that there is not enough time to get your belongings to safety. And so numerous vacationers in Italy had to start their journey home with cars riddled with dents. Window panes fell too The hailstones to the victim.

But are car owners left with these costs? It depends on the insurance policy you have taken out. Because vehicle owners in Germany are only obliged to liability insurance to complete. In the event of an accident for which you are at fault, this covers the costs incurred by the other party involved in the accident. However, it does not cover hail damage.

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Damage caused by hail is covered by the partially comprehensive insurance

However, partial comprehensive insurance can be taken out voluntarily – some car insurance offer these directly in a package with liability insurance. It also includes hail damage repairs. In addition, the partially comprehensive insurance protects against further environmental damage such as lightning, storms or floods. Damage that is not your fault, such as theft, burglary, accidents involving animals, marten bites, glass breakage, cable damage or a vehicle fire are also insured.

At most Partial coverage insurance a deductible of 150 to 300 euros is included, which is why minor damage usually has to be paid out of your own pocket. Unlike regular liability insurance, there are no no-claims discounts, so the costs for partial comprehensive insurance remain the same.

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Fully comprehensive insurance: Everything to do with the car is covered

In addition, partially comprehensive insurance only replaces the current value of the vehicle Autos. Owners are therefore entitled to have the vehicle restored to the condition it was in before the damage occurred. It depends on the insurer to what extent partially comprehensive insurance also applies to damage caused abroad. However, many partially comprehensive insurance policies cover damage that has occurred in other EU countries.

Fully comprehensive insurance, which also covers self-inflicted damage, offers the most comprehensive insurance protection. Partial casco insurance is integrated in this type of insurance, which is ultimately why Comprehensive insurance pay for hail damage. (fmg)

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