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Unlike other industries like roofing or construction, Auto Hail Repair offers flexibility in how insurance claim funds are applied. Because hail is classified as an “Act of Nature,” we’re able to apply those funds efficiently — which allows us to cover your deductible without changing the approved estimate or affecting your claim in any way. This process is well within insurance policy guidelines and is a standard, transparent practice in the auto repair industry.

Your Rates Won’t Go Up from Filing a Hail Claim: In Texas, hail claims fall under comprehensive coverage — and by law, insurance companies cannot raise your rates solely because you filed a comprehensive claim for hail damage. These types of claims are considered no-fault and outside of your control.

Premiums Are Based on Zip Code, Not Your Claims: Insurance companies adjust rates based on geographic risk. If your area experiences hail, your premiums may increase regardless of whether you personally file a claim.

Unrepaired Damage Costs You More: If your car is later totaled, unrepaired hail damage will be deducted from your insurance payout. Fixing it now ensures your vehicle retains its full value.

This is how the system is built to function. We simply make it seamless, efficient, and cost-free.