Auto Insurance Claims: HAIL DAMAGE, hail damage, time restriction


Question
HI I HAVE OWNED MY 2001 PT CRUISER FOR ABOUT 8 MONTHS AND I JUST NOTICED HAIL DAMAGE TO THE CAR ON THE HOOD AND FENDERS ALSO THE ROOF. ABOUT 25 DENTS. I OWN MY CAR AND I LIVE IN PA.AND HAVE FULL COVERAGE  MY DEDUCTIBLES ARE 250.00. CAN I REPORT IT AND OPEN A CLAIM? IS THERE A TIME RESTRICTION? AND I HAD A BODY SHOP LOOK AT IT THEY SAID IT IS HAIL DAMAGE.  ALSO WILL THEY ASK ME WHEN IT WAS DONE?

Answer
Yes, you can make a claim.  They will ask for a date so do your best to estimate based on internet weather reports and your memory.  It is not unusual for people to not realize hail damage until a bit later.  The only time restriction would be a ridiculously long period, like over a year.  But this would be subjective - there is not set time period.