can you insure a car with hail damage

Yes—you can insure a car with hail damage, but the dents don’t magically become an insurer’s problem.

Pre-existing damage is excluded from cover, and most insurers will record it with photos or an inspection, then set a lower agreed value or load the premium.

Comprehensive cover can still protect you for theft, crashes and future storms, but not the old hail dings; some insurers will only offer third-party until it’s properly repaired.

If the vehicle’s been a repairable write-off, it usually needs to pass the state inspection and be re-registered before anyone will touch it.

Bottom line: be upfront, expect a value haircut, and read the PDS like it’s your first-born’s school report.