The short answer
Hail damage is comprehensive (other-than-collision) — deductible applies, single-claim surcharges are rare. Ask for paintless dent repair (PDR) where possible; it preserves factory finish and costs less. On older cars, insurers may total the vehicle if hail damage exceeds ACV threshold.
Frequently asked
- Can I decline repair and keep the money?
- Yes if you own the car outright and don't lease/finance. Insurer may inspect at next renewal.
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