Auto Body, Paint, Collision & Hail Center in Colorado Springs, Pueblo, Pueblo West & surrounding areaS

If your car is insured and the hail damage is moderate or severe, yes—it's usually worth fixing. Repairs through your comprehensive insurance policy typically mean you'll only pay your deductible, which is often around $250–$750 depending on your plan. On the flip side, if you're uninsured, or driving an older vehicle with minor cosmetic dents, it may not be financially necessary to fix the damage right away. To help you make a smart decision, here’s a quick decision tree to guide you through the most common situations: Why It Usually Makes Financial Sense to Repair Hail Damage If your vehicle is covered by a comprehensive insurance policy, fixing hail damage is almost always the smart financial move. Hail repair is one of the most commonly covered claims in Colorado, and most policies only require you to pay a deductible ranging from $250 to $750. The rest? That’s picked up by your insurance company. Hail is Covered Under Comprehensive Insurance Unlike collisions, hail damage falls under “acts of nature”, which means it’s handled through comprehensive, not liability, coverage. If your car is insured and you've filed a hail claim before, you already know the drill: pay your deductible, and your insurer covers the rest. Tip: Even if your deductible is $500 or more, you may not have to pay it out of pocket. Ask your repair shop if they offer deductible assistance. Unrepaired Damage Hurts Resale and Trade-In Value Hail dents might not seem like a big deal, but they absolutely lower the value of your vehicle. Most dealerships will deduct $1,000–$3,000 from a trade-in offer if they see visible hail damage, and sometimes even more for SUVs and trucks with large surface areas. Even if you plan to keep the car for now, those dents don’t disappear. Down the road, you’ll still be facing resale penalties or repainting costs. Besides, any rust that forms around the damage will cost far more to fix than a quick PDR (paintless dent repair) job would today. When skipping hail repairs might make sense Repairing hail damage is a smart move in most situations, especially if your car is insured and the damage is noticeable. But there are some cases where you might reasonably decide to hold off. Let’s walk through the most common ones. ● You’re driving an older vehicle - If your car is already ten to fifteen years old and has other cosmetic issues or mechanical wear, hail damage might not change its value all that much. ● You don’t have comprehensive insurance - Without the right coverage, you’re responsible for the full cost of repair. At that point, it’s worth weighing the repair cost against the vehicle’s actual value. ● The damage is minor and purely cosmetic - A few shallow dents with no paint damage won’t affect performance. While they might slightly reduce resale value, they may not be worth fixing on a vehicle you plan to keep for a while. ● You’re planning to donate, scrap, or retire the car - If your vehicle’s nearing the end of its useful life, it may not make financial sense to put money into repairs, even if the damage is noticeable. For many people, this ties into whether they have a comprehensive policy