HAIL DEPOT

Yes — if you have comprehensive coverage. Hail falls under comprehensive, not collision. Because hail is a weather event, filing a comprehensive claim generally does not affect your at-fault accident record or trigger a rate increase the way a collision claim would. If you only carry liability coverage, hail damage is not covered. Check your declarations page for the word "comprehensive" to confirm before filing.

For most drivers, no. Comprehensive claims for weather events are not counted against you the same way an at-fault accident is. One hail claim on an otherwise clean record almost never affects rates. Before filing, call your agent and ask specifically: "Will this comprehensive weather claim affect my premium at renewal?"

PDR is a technique for removing dents from vehicle panels without sanding, body filler, or repainting. Trained technicians use specialized metal rods and picks to access the back of a dented panel and massage the metal back to its original shape from the inside. PDR preserves your original factory paint, maintains manufacturer warranty compliance, and is significantly faster and less expensive than traditional body shop repair.

Most standard hail damage repairs complete in one to three days depending on the number and severity of dents. Minor single-panel jobs can sometimes be completed same-day. Mobile PDR — where the technician comes to your location — means no drop-off and no rental car in most cases.

Yes. In virtually every US state you have the legal right to choose your own repair facility. Your insurance company cannot require you to use a specific shop, though they may recommend one. A reputable PDR company will work directly with your carrier regardless of whether they are on a preferred list.