If you just found hail damage on your car
Your vehicle is perfectly safe to drive — hail dents are cosmetic. There's no emergency, nothing you need to solve today, and no reason to make a decision under pressure. The damage looks the same next week as it does this morning.
Photograph every panel before you do anything else. Hood, roof, trunk, both sides, both doors. In Lee's Summit's lakeside communities, vehicles parked on open driveways near Raintree Lake or Lakewood often show heavier concentrations than garage-kept cars just two streets over. A phone flashlight at a low angle across the surface makes the dents pop even in flat overcast light.
Paintless dent repair and body shop repair are two different things entirely. A body shop fills and repaints — which creates a CARFAX entry that lowers trade-in value on the late-model SUVs and luxury crossovers common in Lee's Summit. Paintless dent repair works the factory metal back into shape without touching the paint. For hail, it is almost always the better path.
Let us look at the damage before you call American Family or State Farm. We will walk you through the deductible math, tell you honestly whether the claim is worth filing, and hand you a word-for-word script for the carrier call. The inspection is free whether your car sits in a Lakewood driveway or a Summit Fair parking lot. If we think the damage is not worth filing, we will say so.
Read the complete guide: What to do after hail hits your car →