Auto Hail Repair Plano Blog

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Will Insurance Pay for DIY Hail Dent Repair?

By 2 May 2018

Can I Repair My Own Car After Filing a Hail Damage Claim?

If you have comprehensive insurance coverage, your insurance contract with your car insurance company obligates them to pay for a hail damage claim, and unless you have some very specific wording in your contract that says you’re required to use a PDR shop or auto body shop, which is really only allowed in a few states, then you can have the money paid directly to you.

If you have comprehensive auto insurance on your vehicle, then you immediately fit into 2 categories.

  • Paid: Car Loan Paid.
  • Not-Paid: Lien On Car.

Before you decide to move forward with your DIY hail repair plan, choose the category you fit into and read further.

Auto Hail Repair Plano professional tip: No matter how you decide to proceed, do NOT fall for the DIY dry ice, heat gun, and plunger methods. With auto hail repair, you only have one chance to make the repair. If you accidentally damage the paint or overextend or crease the metal, your DIY dent repair will end up costing you more money to repair.

Botched Hail Repair

DIY Hail Repair “Don’t”

My Car is Paid, I Own the Car

In most cases, you should be able to do whatever you want, and that includes having your car repaired at a PDR shop, fixing it yourself, or not fixing it at all and pocketing the money.

The insurance company will write the check in your name so that you can fix the vehicle at any paintless dent repair shop. Depending on the situation, you may decide to repair the hail damage personally and keep the money or you may choose to repair the damage by hiring a professional paintless dent repair technician.

Considerations:

  • If you have paintless dent repair experience or have a friend that works in the industry, repairing the damage yourself could be a viable solution.
  • Remember, if you plan on reselling or trading-up in the future – a botched dent repair job will greatly affect the value of the vehicle.
  • Your insurance company will only pay once on a claim. If your DIY dent repair goes wrong, any additional funding needed to complete the repair comes out of your pocket.
  • If the hail damage isn’t repaired to the insurance companies satisfaction and your vehicle gets damaged again in a hail storm, they will subtract the initial claim amount from the new claim amount.

My Car is Not-Paid Off, I Co-Own with a Lender

If you are still making payments to a lender, then most likely you will not be able to repair the car yourself. Check your loan agreement.

If you have a lien on your vehicle, the insurance company may or may not send you a check written out in your name. The lender has a financial stake in their investment and because of this, most lenders will require that you repair the vehicle at a professional paintless dent repair company.

Before you decide to work on the vehicle without professional assistance, keep in mind that you can only make one claim. If your attempts to work on the vehicle personally result in more damage or you need to work with a professional later, then you cannot obtain more money from the company. You were already paid for that hail claim.

You should contact your local agent to learn about your state and local laws and about your options before you make any decisions regarding vehicle dent repairs.

Before you DIY, Consider This

Your insurance contract with your car insurance company obligates them to pay on the claim, and unless you have some very specific wording in your contract that says you’re required to use a PDR shop or auto body shop, which is really only allowed in a few states, then you can have the money paid directly to you.

BUT, even if you own your car outright, your insurer is still going to be wary of the dent repairs you do yourself.  As a result, you may find that your insurance provider might be unwilling to continue to provide you with comprehensive coverage.

Your best bet is to document the repairs by taking before and after photos, or request that an adjuster stop by and review the hail damage repair.

This will save you the headache of potentially being denied on future claims because the insurance adjuster finds that the repairs haven’t been satisfied to their standards.

Contact the Professionals at Auto Hail Repair Plano

Auto Hail Repair Plano has been removing hail damage from vehicles for over 10 years. We offer a free hail damage assessment at your location or at our shop located at 925 22nd St Suite 116, Plano, TX 75074.

To schedule, call us at 469-828-6323 or online.