Will Claiming Hail Damage Increase My Car Insurance? 
There are two parts to your question . For example , each year that I go `` claim free '' I receive a `` refund check '' back from my insurance company . Let 's assume that check averages $ 600 a year and I have `` claim free '' for ten years - that means the insurance company has paid me $ 6000 . Do you include that consideration into the question of `` should I file a claim ? In order to have `` hail damage '' covered you must have comprehensive coverage , or , to make it easy to understand if you only have liability coverage yuo forget filing that claim 