Hail Damage Myths Busted
7 Truths Your Insurance Company Forgot To Tell You
1. 📈 My Insurance Rates Will Rise If I File A Claim.
❌ FALSE.
Hail damage is a comprehensive claim and is considered an “act of God”. As such, insurance companies cannot raise your rates specifically for filing the claim.
*Insurance companies WILL however raise rates in a geographic region where many claims occurred. This means you pay the standard rate increases for your area whether you get it fixed or not.
2. 💴 I Can’t Afford My Deductible!
❌FALSE.
Many PDR specific shops can waive deductibles or provide deductible assistance for comprehensive claims regarding hail damage.
*Insurance companies will often direct you to “preferred shops”, which simply means they have a contract with your insurance company and are often required to collect your full deductible. You DO NOT have to choose these “preferred shops”.
3. 🚗 I Will Be Stranded Without My Car During Repair!
❌FALSE.
Well established Auto and Hail repair shops routinely provide free rentals during repairs.
*Some PDR shops go the extra mile to provide these free rentals regardless of your rental coverage (if any).
4. 📅 I Will Be On A Waiting List For Weeks/Months!
❌FALSE.
An efficient PDR shop can do most vehicles within 24-48 hours. The longest part of the process when dealing with a reputable shop will be waiting on insurance approvals.
*Wait times at “preferred shops” can often be much longer as insurance is offloading their insured on these shops in bulk.”
5. 😡 Dealing With Insurance Is Frustrating
❌FALSE.
A reputable shop will have experience in working with ALL insurance providers, and can handle the entire process from filing the claim to getting every dollar for proper repair.
*Many “preferred shops” will use cheaper parts to appease lower costs to the insurance company. Reputable and quality shops will always use OEM parts when available.
6. 🔨 PDR Is A Cheap Fix
❌FALSE
PDR is a SKILLED process that keeps your factory finish intact without the need for paint matching or blending, and preserves the value and integrity of the original paint.
*Insurance companies will often have a “preferred shop” simply because it was the lowest bidder in the area. Those cut costs can show in the quality of work after repairs.
7. 🤷♂️ All Hail Dent Repair Shops Are The Same!
❌FALSE.
True PDR shops use extremely intricate tools and processes to ensure a high quality repair that is indistinguishable from before the damage occurred.
*Many Dent Tents lack the proper equipment, skilled labor or resources to provide proper repairs in all cases. Proper PDR shops will not only have the space and equipment to handle all scenarios, but also provide a lifetime warranty if they are confident in their services.