The White Mountains get hail, and a serious hailstorm damages every vehicle parked outside at once. It is a comprehensive claim, and it is the one that makes dropping comprehensive expensive.
Hail damage is comprehensive. On a vehicle with liability only, there is nothing to claim.
Three things about damage from above.
It is not a collision and it is not anybody’s fault. Comprehensive is the cover that responds, and it is the one most often dropped on older vehicles to save money. A single storm can produce thousands of dollars of damage to a car that was fine the day before.
Extensive hail damage on an older car can exceed its value in repair cost even though it drives perfectly. The carrier may declare it a total loss, which surprises owners who see a working vehicle. Whether to keep it with a salvage title then becomes a real decision.
After a significant hail event every body shop in the region is booked at once and parts run short. Rental reimbursement matters more in that situation than in an ordinary claim, because the wait is weeks rather than days.
Cover for a parked vehicle in a storm.
It is what answers for hail and it is what people drop.
Covered parking is the only real mitigation.
After a regional storm the queue is long.
Tell us where each vehicle is parked and whether comprehensive is on all of them.
We keep comprehensive on vehicles that live outside up here.
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