Close this search box.

Awesome list – Hail Repair Top 50 Insurance Companies by Market Share

Hail Repair top 50 Insurance Companies by Market Share Click-to-call telephone number list.

Before calling and filing your claim, use our hail damage car repair cost calculator to evaluate whether you should file a claim or not!

Insurance CompanyTelephone Claim Phone Number
State Farm1-800-STATE-FARM (1-800-782-8332)
Allstate1-800-ALLSTATE (1-800-255-7828)
Liberty Mutual1-844-825-2467
Farmers Insurance1-800-435-7764
American Family Insurance1-800-692-6326
Hartford Insurance1-800-243-5860
Mercury Insurance1-800-503-3724
Erie Insurance1-800-367-3743
Auto-Owners Insurance1-888-252-4626
The General1-800-280-1466
Kemper Insurance1-888-252-2799
National General Insurance1-800-325-1088
CSAA Insurance Group1-800-922-8228
MAPFRE Insurance1-877-627-3731
Root Insurance1-866-980-9431
American National Insurance1-800-333-2860
Safeway Insurance Group1-888-203-5129
National Interstate Insurance1-800-929-1500
Plymouth Rock Assurance1-888-324-1620
Auto Club Enterprises Insurance Group1-800-922-8228
Horace Mann Educators Corporation1-800-999-1030
Encompass Insurance1-800-588-7400
Westfield Insurance1-800-243-0210
The Hanover Insurance Group1-800-628-0250
Grange Insurance1-800-445-3030
Kemper Preferred1-888-252-2799
Horace Mann1-800-999-1030
Plymouth Rock Assurance Corporation1-844-346-1225
PURE Insurance1-888-813-7873
Safeco Insurance1-800-332-3226
Western National Insurance1-800-862-6070
American Strategic Insurance1-866-ASI-LOSS (1-866-274-5677)
Philadelphia Insurance Companies1-800-765-9749
EMC Insurance Companies1-800-854-6011

Understanding Automotive Hail Damage Claims: A Guide to our Hail Repair top 50 Insurance Companies by Market Share


Experiencing a hailstorm can be distressing, especially when it leaves your vehicle with significant damage. It’s crucial to grasp how auto insurance companies in the United States approach hail damage claims. This guide aims to demystify the process and provide insight into the varying methods insurers use to manage automotive hail claims, helping vehicle owners navigate the claims process with confidence.

Comprehensive Coverage Explained

A key component of most auto insurance policies is comprehensive coverage. This coverage extends to incidents beyond collisions, including hail damage. A notable aspect of comprehensive coverage is the deductible, the initial amount paid out-of-pocket before insurance coverage commences. For hail damage, filing a claim and covering the deductible are preliminary steps to obtaining financial assistance for repairs.

Deciding Between Repair or Replacement

Insurers assess hail damage to determine the most appropriate action – repair or replacement of damaged vehicle parts. Minor damages might be rectifiable through paintless dent repair (PDR), a technique that skillfully removes dents while preserving the original paint. More severe damages might necessitate part replacements, like the hood, roof, or trunk lid.

Total Loss Assessment

In situations where hail damage repairs would surpass the vehicle’s value, insurers may classify the vehicle as a total loss. The payout in such scenarios is the vehicle’s actual cash value (ACV) minus the deductible. ACV is calculated based on factors like age, mileage, and overall condition, reflecting the current market value. Here’s a great link for each states total loss laws.

Deductible Waivers and Their Conditions

Certain insurance providers offer deductible waivers for hail damage claims, potentially exempting you from the deductible payment under specific conditions. These conditions might include a minimum threshold of vehicles impacted in a hailstorm or a certain aggregate claim value.

The Effect on Insurance Premiums

The impact of filing a hail damage claim on insurance premiums varies. Typically, comprehensive claims, like those for hail damage, are less likely to increase insurance rates compared to collision claims. However, multiple claims might lead to higher premiums or policy non-renewal.


Navigating automotive hail claims in the US can be intricate and sometimes bewildering. A clear understanding of insurer practices is instrumental in making informed decisions and ensuring a smooth, equitable claims process. It’s advisable to thoroughly review your insurance policy, meticulously document the damage, and maintain open communication with your insurer to enhance the likelihood of a successful claim resolution.

why you can't trust insurance companies and your hail estimate

Don’t forget to use our hail repair top 50 insurance companies hail calculator!