Auto Insurance Claims/Car hail damage

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Expert: Bennie719 - 12/16/2007


Question
I have not told my insurance company about the hail damage to the my fully paid car. I have a comprehensive insurance on the car and would like to renew this October 08. Does not having anything done about the hail damage affect future accident claims or other consequences

Answer
Hi Wendy,
The longer that you hold off reporting the hail damage, the less likely it is to be covered.  Your insurance company requires that a claim be filed in  a 'reasonable time period'.If you later get damage on top of the hail damage, it's hard to sort out just where one stops and the other one starts.  Filing a hail claim does not usually affect your rate, so I suggest that you get it done ASAP.
I hope this has been of help, please write again if you have more questions.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area 12-16-07 9:50 AM PST

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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