Final answer:
Hail damage to a vehicle would be covered under comprehensive coverage, which is part of an auto insurance policy. If coinsurance applies, the policyholder and insurance company share the cost of the loss proportionally.
Step-by-step explanation:
Hail damage to an insured vehicle would typically be covered under comprehensive coverage. This type of insurance is designed to cover damages to your vehicle that are not caused by a collision. Even for drivers who are otherwise considered low-risk, unexpected events like hail can cause considerable damage.
As part of the auto insurance policy, coinsurance may apply, meaning that the policyholder will pay a percentage of the loss, while the insurance company will pay the remaining cost. For instance, if the damages total $2,000 and the coinsurance is 20%, the policyholder would pay $400, and the insurance company would cover the remaining $1,600.