Wait, so you're telling me those hail dents count as "cosmetic"? Man, my car looks like a cheese grater after last month's storm...guess I better check my policy before the next ice apocalypse rolls in. Thanks for the heads-up!
"Wait, so you're telling me those hail dents count as "cosmetic"? Man, my car looks like a cheese grater after last month's storm..."
Yeah, you'd think insurance companies would know better than to label hail damage as just "cosmetic." Cosmetic is a chipped bumper or faded paint—not your vehicle looking like Swiss cheese after a freak storm. I commute daily through an area that seems to attract hailstorms like magnets, and after a nasty experience two years ago, I triple-checked my policy. Trust me... comprehensive coverage is worth every penny.
I get your point, but honestly, insurance companies labeling hail damage as cosmetic isn't totally off-base. Sure, it looks awful, but if the car still drives fine and safety isn't compromised, isn't that technically just appearance? Comprehensive is great, but not everyone needs it...depends on your priorities.
"Sure, it looks awful, but if the car still drives fine and safety isn't compromised, isn't that technically just appearance?"
Fair point, but it's not always just cosmetic. Had a buddy whose hail damage seemed minor at first, but later rust set in badly...ended up costing him way more down the line. Sometimes "cosmetic" issues aren't just skin-deep.
"Fair point, but it's not always just cosmetic. Had a buddy whose hail damage seemed minor at first, but later rust set in badly...ended up costing him way more down the line."
Good point about rust—I hadn't really thought of that. Makes me wonder, though, how long does it usually take for something like rust to become a real issue? If someone patched or sealed the dents early on, could they avoid bigger problems later? Seems like there might be some affordable ways to keep minor cosmetic damage from turning into something worse down the road...
