Should you make an insurance claim on the hail damage to your car or roof?

Between the car and the roof, you might be wondering if you should make an insurance claim for hail damage.
You might think since your car was parked at home, your homeowner's insurance pays for the damage, but no. It’s your auto coverage.
“Comprehensive coverage is really for acts of nature things like hail damage hitting an animal, lightning, flood, a limb falling on it,” said Christopher Cook with Alliance Insurance Services.
Just to be clear, any kind of damage not related to an accident falls under comprehensive coverage. This kind of coverage replaces or repairs your car if it is stolen or when it's a non-accident like a fire, vandalism, hail or a tree limb.
Here's the rub, you're not required to have comprehensive coverage on your car. If you don't have comprehensive coverage, then the repair costs come out of your pocket.
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