How is hail damage categorized under a Personal Auto policy?

Hail damage is categorized as a Comprehensive loss under a Personal Auto policy. Comprehensive coverage is designed to protect against damages that are not the result of a collision with another vehicle or object. Instead, it encompasses a variety of risks including natural disasters such as hailstorms, theft, vandalism, and other non-collision-related incidents.

When hail impacts a vehicle, the damage is not the result of a collision; thus, it falls under the provisions that cover environmental or external damages. This coverage allows policyholders to receive compensation for repairs or replacement of their vehicle due to hail damage, assuming they have opted for comprehensive coverage in their insurance policy.

Categorizing hail damage as other types of losses, such as collision loss or uninsured loss, would not be accurate, as those terms refer to different types of incidents or coverage scenarios. Understanding that hail damage falls under comprehensive insurance helps drivers know how they are protected against such common weather-related events.