Navigating Auto Hail Damage: What Comes Next
In Denver, Colorado, where hailstorms are a common occurrence, having your vehicle damaged by hail is an all too familiar experience. Navigating auto hail damage is tough and sometimes can be so severe that it results in a total loss. When this happens, many Denverites find themselves at a loss on what to do next. Understanding your options and the next steps to take can make this daunting situation more manageable.
Understanding Total Hail Damage Loss in the Context of Denver’s Weather
Given Denver’s often unpredictable weather patterns, it’s essential to understand what a ‘total loss’ means in the event of severe hail damage. Generally, an insurance company will declare a total loss when the cost of repairs exceeds a certain percentage (usually between 50% to 80%) of the car’s value. In this case, the insurance company will pay you the actual cash value of your vehicle, less your deductible.
Exploring Options After Auto Hail Damage Loss in Denver
When your car is declared a total loss due to hail damage in Denver, you have a few options:
- Accept the insurance payout: The most straightforward option is to take the insurance payout and use the money to buy a new vehicle. This approach can be especially useful if the payout allows you to purchase a comparable or better car.
- Keep the salvage: If your vehicle holds sentimental value, or you believe you can repair it for less than the insurance estimate, you can opt to retain the vehicle. In this scenario, the insurance company deducts the salvage value from your payout.
Choosing Your Path Forward
The best choice depends on your unique situation and the local market conditions in Denver. If your vehicle is older and you can replace it with a similar or better one, accepting the insurance payout might be the best choice.
However, if your car is in good running condition despite the hail damage, or if it has a special sentimental value, you might consider retaining the salvage. In this case, you should be aware of the costs and feasibility of repairs.
Partnering with a Denver Hail Damage Repair Specialist
Whether you’re dealing with a minor dent or a total loss from hail damage, partnering with a Denver-based hail damage repair specialist can prove advantageous. These specialists can provide accurate repair estimates, which are crucial when dealing with your insurance company. Moreover, if you decide to keep your vehicle, a local repair specialist can perform high-quality repairs, restoring your car to its former glory despite the hail damage.
Navigating a total loss situation in Denver doesn’t have to be a daunting process. By understanding your options and working with local professionals who understand Denver’s unique weather challenges, you can make the best decision for your situation and get back on the road as quickly as possible.
To get help with auto hail repair or if you have had damage to your car, truck or SUV due to hail in Denver, call the experts at Epic Dent Repair. We give free estimates and even have same day appointments.