Does State Farm Auto Insurance Cover Hail Damage? 
I am not a representative of State Farm as I am an independent agent . However , with that being said , State Farm can OFFER the ability to cover hail damage . Every insurance company that can protect your personal auto is able to provide coverage for hail damage . You are looking for a coverage called Other-than-collision -LRB- OTC -RRB- or sometimes called comprehensive coverage . This coverage is often called all-risk -LRB- a misnomer -RRB- or open-peril coverage . What the heck does that mean ? It means that comprehensive covers EVERYTHING to your auto UNLESS it says it will not cover it . This is actually very robust as a coverage because its impossible to list everything that can happen to a car for exclusions , so you can have coverage for the random things that happen to your car . If you look at your policy for OTC , nowhere does it mention that it will exclude -LRB- not cover -RRB- hail damage . This is good ; it means you can file a claim for OTC to repair hail damage to your auto . Here are a few things to understand about OTC with regards to hail damage : You have to pay your deductible for the repairs . Most often , this means that the insurance company will pay you all the money to get the car fixed EXCEPT for your deductible , which you then pay to the repair company that fixed you car . So if $ 3,000 worth of repairs was needed to fix your car from hail damage , and you have a $ 500 deductible , then the insurance company will give you $ 2500 -LRB- $ 3,000 - $ 500 deductible -RRB- so you can pay your $ 3,000 repair bill . The claim settlement might happen in another way , but the logic is still the same . Your OTC will pay the actual cash value of the car if the repairs are over a certain threshold -LRB- which is determined individually for each car -RRB- to make the car usable again . The company can literally scrap the car and pay you for it instead of repairing the hail damage . Keep this in mind for when determining if you want to file a claim as some cars arent worth much but could be in EXCELLENT condition for driving . You dont want to lose your car because you filed a claim for cosmetic damage , or keep the car and get a salvage title . Talk to your agent to make sure you have OTC . Make sure that the deductible is an amount you can afford to pay in a reasonable amount of time . Its no good to have a $ 500 , $ 1000 , or $ 2,000 deductible for OTC if you can not get the money or put yourself in a poor financial position for 30 + days because of it . Sometimes paying the extra $ 5-10 per month for a lower deductible makes sense in households strapped for cash . 