can you have the damage to your car covered?

If your vehicle has been damaged by hail, your insurance can compensate you in certain cases.

The recent storms that have hit France have sometimes been accompanied by hailstoneswhich can, in places, be the size of a petanque ball. Inevitably, the vehicles parked outside at that time suffered considerable damage. Is it possible to be covered by your insurer? It all depends on the contract.

If you have third-party insurance (minimum coverage), it is unlikely that your insurance will cover the cost of repairing your vehicle. In the best case, you have the “break glass” option offered, which would allow you to be reimbursed for the repairs of the damage caused to the windshield, or its replacement.

Contact your insurer quickly

Of course, if you have taken out “extended third-party” insurance including cover for glass breakage, you will logically be reimbursed for impacts on glass surfaces. In this case, immediately contact your insurer to have the damage recorded. Be careful, do not drag! Some insurers do not hesitate to play for time to reach the legal time limit for declaring a claim: 5 working days (10 days if a ministerial decree establishes a state of natural disaster). Finally, check the details of your contract scrupulously, as some allow you to also repair the quarter panels, the rear window, the windows, the optical units and even the panoramic glass roof.

Pay attention to the clauses

If you have “all risks” insurance, be aware that damage to the bodywork may only be reimbursed if you have the clauses “climatic events” or “forces of nature”. Some contracts, which are complete but lack these mentions, do not reimburse this type of damage. In any case, as mentioned above, do not delay in contacting your insurer.

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