What is widespread hail damage with broken paint?
Cracked or chipped paint on the dents changes the repair. Paintless repair needs the paint to flex as the metal is pushed back. Cracked paint will not, and pushing just opens the cracks.
What kind of repair does it need?
Conventional repair and painting on panels where the paint broke. Paintless repair on panels where it held. A car like this usually needs both.
Widespread hail is judged against what the car is worth. Insurers write a car off when repairs plus the wreck's sale value come to more than the car is insured for.
What to do next
Talk to your insurer. Ask the assessor which panels will be paintless and which will be painted, because that split drives the cost. If many panels need painting, ask early whether the car may be written off.
Sources
- Financial Rights Legal Centrelegal service
Salvage Value + Cost of Repairs is more than Market Value of Vehicle (pre-accident) or Sum Insured…
- EZ Tech PDRrepairer
the paint film must remain flexible…
- Dent Detail PDRrepairer
PDR cannot repair impacts where the paint has been cracked or broken by the force of a particularly large or fast-moving hailstone.
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