Hail does not happen too often but when it does it can wreak havoc on your car. Getting hail damage repaired can really add up because it causes numerous small indentations all over your car. The golf-ball sized variety typically does the worst damage, but hail of all sizes can make its own mark. Depending on the coverage type you have hail may or may not be covered by your insurance company. There's nobody at fault in the case of hail, so it doesn't matter if you reside in a no fault state. There are two answers to this question if hail is covered by your own insurance.
You will want to check with your supplier because each company has different stipulations as to what they do and do not cover. With comprehensive coverage hail is usually listed as an instance that's covered. You'll still need to pay your deductible on this claim, so if the damage estimate is less than your deductible, you will need to cover it all yourself. If it was a massive hailstorm, and the damage was extensive, you'll have to file a claim to have the difference covered by your insurance company.
Basic Coverage - If you've got basic collision coverage you are going to have to handle the hail repairs out-of-pocket, as this is something that is usually not covered by these plans.
Hail is one of the unfortunate act of God kind things that happens from time to time. If it does not happen a lot in your area you probably won't have to cover the excess expense for comprehensive coverage. If you live in a area of the country that gets more than its fair share, you should look into the different choices you need to protect yourself against excessive repairs. There might be a cafeteria style way to find hail covered on your policy without having to go all out on comprehensive.
When it comes to auto insurance you will want to compare different companies to see which ones cover which harm. They're all in competition with each other and you may be able to play them off of one another. Should you let a Animal Control company know that you're deciding between them and another provider, they might throw in hail damage as a way to earn your business. You have to be intelligent and do what you can to get the best insurance at the best rates.