In Midland and Odessa, hailstorms don’t just hit roofs — they hit vehicles hard. Every spring, West Texas drivers deal with dented hoods, cracked windshields, and costly repairs.
Yet many drivers aren’t fully sure what their auto policy actually covers when hail hits.
One of the most common questions we hear:
“Does my auto insurance cover hail damage?”
Let’s break it down clearly.
Does Auto Insurance Cover Hail Damage?
Hail damage is covered under comprehensive coverage, not collision or liability.
Comprehensive coverage helps with:
• Hail damage
• Wind damage
• Falling objects
• Theft
• Animal strikes
If you only carry liability, hail damage to your vehicle is typically not covered.
Why This Matters in West Texas
According to NOAA storm data, Texas consistently ranks among the top states for hail events each year.
Midland and Odessa drivers know spring storms can appear quickly, sometimes with little warning.
We often see claims spike during March–June hail season.
Real-World Scenario
Two vehicles in the same storm:
Driver A
✔ Has comprehensive
✔ Pays deductible
✔ Insurance helps with repairs
Driver B
❌ Liability only
❌ Pays out of pocket
Same storm — very different outcome.
Is Comprehensive Expensive?
Usually, it’s one of the more affordable coverages compared to the protection it offers.
For many drivers, it’s worth considering in hail-prone regions like West Texas.
Frequently Asked Questions
Does hail count as a collision?
No — it falls under comprehensive.
Will one claim raise my rates?
It depends on overall history and carrier guidelines.
Can I add comprehensive anytime?
Usually yes, but not during an active storm event.
Does it cover windshield cracks?
Often yes, subject to deductible.
Should older vehicles carry it?
Depends on value and comfort level.
Local Trust
At Killebrew Insurance, we help Midland and Odessa drivers review coverage before storm season so surprises don’t happen after.
Want a quick auto coverage review?
📞 Midland: 432-694-0508
📞 Odessa: 432-332-6322
🌐 www.killebrewinsurance.com
No pressure. Just clarity.
Insurance works best when you understand it before you need it.
