When it comes to vehicle damage, not all insurance coverage is the same — and if you’re dealing with hail damage or an accident, understanding the difference between comprehensive and collision insurance can make all the difference.
At Hail Team One, we work with both types of claims every day. Whether it’s hail from a Texas storm or a fender bender in a parking lot, our team knows how to navigate the system, maximize your claim, and get your car back on the road looking brand new.
Let’s break it down:
Comprehensive Insurance: Covers “Acts of Nature”
Comprehensive insurance is what covers damage from non-collision events. This includes:
- Hailstorms
- Falling tree limbs
- Theft or vandalism
- Floods
- Fire
- Animal-related damage (yes, even squirrels!)
If your car was dented in a hailstorm, this is the type of insurance you’ll be using.
How Hail Team One Helps:
We specialize in Paintless Dent Repair (PDR) — the gold standard for fixing hail damage quickly and without repainting. We work directly with your insurance company to submit photo estimates, handle supplements, and ensure you pay as little out of pocket as possible.
Collision Insurance: Covers Accidents
Collision insurance pays for damage resulting from a crash, regardless of fault. This can include:
- Collisions with another car
- Running into an object (like a pole or fence)
- Pothole damage
- Hit-and-runs (in some cases)
If your vehicle was involved in an accident and has dents or broken panels, collision coverage comes into play.
How Hail Team One Helps:
We don’t just stop at hail repair — thanks to our in-house partnership with Sideways Collision Center, we also handle bodywork, panel replacement, painting, and structural repairs for collision-related damage.
Can You Have Both?
Yes — and most full-coverage policies include both comprehensive and collision. Depending on how your damage happened, we’ll determine which policy is applicable and help you file the correct claim.
What If You’re Not Sure Which Coverage Applies?
No problem. At Hail Team One, we review the damage, walk you through the claim process, and contact the insurance company on your behalf. We’ve helped thousands of customers across Texas file smooth claims, get fast approvals, and walk away with flawless results — all while avoiding the runaround.
Why Choose Hail Team One?
- We work with ALL major insurance companies
- We handle both comprehensive and collision repairs
- We coordinate the claim from start to finish
- We provide free estimates and photo inspections
- We work to minimize or eliminate out-of-pocket costs
- We offer fast turnaround times and expert repairs
📍 Based in Lubbock
🌐 hailteamone.com
📞 Call/Text: (806) 281-2927
