Yeah, comprehensive coverage is definitely key for stuff like hail. Did your policy mention anything about windshield replacement specifically? Mine was kinda vague on that... wondering if that's usually included or another sneaky add-on.
"Mine was kinda vague on that... wondering if that's usually included or another sneaky add-on."
Most comprehensive policies I've seen cover windshield replacement, but some insurers sneak in a separate deductible just for glass. I'd double-check yours—had a nasty surprise myself once, lesson learned the hard way.
Yeah, good point about the glass deductible. I've noticed some policies lump hail damage under "acts of nature," which can have their own tricky deductibles or exclusions. Did your policy specifically mention hail, or was it just general wording? I usually call and bug my agent about these things—better to feel a little annoying now than get stuck paying out of pocket later...
I had a similar situation happen a couple years ago. We had a nasty hailstorm roll through, golf-ball sized chunks—my poor Civic looked like it'd been attacked with a hammer. I thought I'd be fine because I had comprehensive coverage, but when I called my agent, turns out there was this sneaky clause buried deep in the fine print about "weather-related incidents" having their own deductible. It wasn't huge, but enough to sting when you're already budgeting carefully.
Ever since then, I always double-check the specifics about hail and other natural disasters. Some companies are pretty straightforward about it, others hide it under vague terms like "acts of nature" or "environmental hazards." Honestly, it's worth being the squeaky wheel with your agent and asking directly if hail is explicitly covered or if there's some hidden deductible lurking around. Learned that lesson the hard way...
Yeah, those sneaky clauses can be a pain, but honestly, they're not always hidden intentionally. Insurance companies usually spell it out pretty clearly—it's just that most of us (myself included) skim through the fine print until something actually happens. Learned that lesson myself after a tree branch decided my windshield was its new home... Now I make sure to ask upfront about deductibles for weird stuff like hail or falling objects.
