Will filing a hail repair claim cause your rates to increase?
DISCLAIMER: We have not read your individual insurance policy and the information provided here should be verified with your insurance company.
If you are worried your insurance rates will go up as the result of filing a hail repair claim, you are not alone and we actually have some good news for you.
In the State of Texas, you are allowed to file up to three (3) hail claims per year before insurance can legally raise your rates. Hail claims fall under the comprehensive category and will not be held against you like a collision claim would. That’s the good news.
The bad news? If you were involved in a large hail storm that caused extensive financial damage to your area, chances are your insurance company will issue a blanket increase for everyone living in that area. Even if your car wasn’t damaged in the storm, you might still face a rate increase on renewal, so you may as well go ahead and file the claim and get your car repaired immediately.
At the end of the day, rate increases are out of your control. What you can control is getting your car repaired quickly so, as you’ll learn in the next post, you don’t face any of the many potential hazards of not getting your car fixed.
For more information about the difference between collision and comprehensive claims, click here.
