If you’ve recently been caught in a Colorado hailstorm, you’re not alone—and neither is your car. Dents, dings, and damage from hail can happen in a flash, leaving vehicle owners wondering what to do next. Fortunately, Paintless Dent Repair (PDR) is a widely accepted and insurance-approved method to restore your vehicle’s appearance and value, without the need for costly, invasive repairs.
But the big question remains: Will your insurance cover PDR after hail damage? Let’s explore.
Understanding Paintless Dent Repair (PDR)
Paintless Dent Removal is a non-invasive method of repairing dents and dings without the need for sanding, fillers, or repainting. This technique preserves the car’s factory paint and eliminates the need for traditional auto body work.
At KCL Creations, our technicians specialize in restoring your vehicle using precision tools that reshape the metal from behind the panel. Whether your fender is dented or your hood is peppered with hail impacts, PDR offers a fast, efficient, and eco-friendly solution.
What Type of Insurance Covers PDR?
The short answer: Comprehensive auto insurance is the key to getting hail damage covered.
- Comprehensive Coverage: This covers non-collision events like hailstorms, flooding, and theft. If you carry comprehensive coverage, your insurance company will likely pay for paintless dent removal, minus your deductible.
- Collision Coverage: Not used for hail damage. This is for accidents by the driver or for coverage from other drivers hitting your vehicle. An “At Fault” situation.
- Liability Coverage: This won’t cover damage to your vehicle—it only applies to others involved in an accident.
If you’re unsure of what’s included in your auto insurance coverage, it’s best to speak with your agent or check your policy details. Your insurance program should clearly state whether hail damage repair is reimbursable.
Why Insurance Companies Prefer PDR?
Most insurance providers favor PDR for hail repairs for a few reasons:
- It’s cost-effective, especially compared to traditional auto body work.
- It helps avoid unnecessary paint jobs or body shop visits.
- It maintains the car’s resale value and factory finish.
Many drivers also find that filing a claim for hail doesn’t increase premiums, since hail is considered an “Act of God” and not driver-caused. Still, it’s smart to check with your agency or employer-sponsored insurance if you’re unsure.
How KCL Creations Simplifies the Insurance Process?
Navigating insurance coverage doesn’t have to be frustrating. At KCL Creations, we communicate directly with your insurance company, provide a detailed estimate with/ all supporting documentation, and advocate on your behalf. Whether you’re dealing with property damage, working with a lender, or simply looking for a free estimate, our team is here to help.
We’ve handled hail claims for individuals, small business vehicles, and even motorcycle insurance claims, always with a commitment to customer-first service and transparency.
Frequently Asked Questions:
1. Will my auto insurance cover paintless dent repair for hail damage?
Yes, if you have comprehensive coverage, your policy will typically cover PDR for hail damage.
2. Do I need to visit the body shop my insurance recommends?
No, you have the right to choose your preferred repair shop. At KCL Creations, we work with all major insurance providers.
3. Will filing a hail damage claim raise my rates?
In most cases, hail is categorized as a natural disaster, and auto insurance companies generally don’t increase your premium for a comprehensive hail claim.
4. What if I have a high deductible?
Our team will review your policy, and in some cases, we can offer flexible options to help reduce your out-of-pocket expenses. Reach out and ask us how we can help.
5. Can renters’ or motorcycle insurance cover PDR?
If you carry motorcycle insurance or drive a rented vehicle, check your specific policy. Some may include coverage for non-collision events like hail.
Protect Your Vehicle with KCL Creations
If your car has taken a beating from hail, don’t wait for further wear and tear. Schedule a free estimate with KCL Creations in Loveland, CO. We’ll evaluate the damage, work directly with your insurance agent, and restore your vehicle to factory condition—without the stress.
Call us at (970) 292-6817 or fill out our online form to request a quote. Let our technicians bring your car back to life with precision, speed, and unmatched customer service.
