Advice/Venting: My car was destroyed by hail

redwall_hp
2026-05-01T18:47:08Z

So we had baseball-sized hail suddenly come through my city a few days ago, and everyone at my work got to watch our cars get destroyed from the front windows. I opened a claim immediately after the hail stopped and could go take pictures, but still haven't heard anything other than that an agent was assigned.

City-wide, body shops are already talking about having a year-long backlog and having to triage repairs that don't affect immediate drivability. I've heard people talk about them being totaled already. Rental cars are hard to come by, because they not only have huge demand but had damage as well. The county is petitioning FEMA, because houses were damaged as well.

I'm just in a depressive waiting state, where I don't know how things will start to play out yet, with my undrivable car sitting at the office with trash bags taped over it while I work from home. And my old backup car (almost 20 years old), which was slated for one of the stepdaughters to receive once she gets her license, also had extensive damage making it unsafe to drive. My fiancée's car survived, being on the other side of town at the time, but she has a very busy schedule to the next few weeks.

I had the realization that every car I've ever bought myself was just destroyed, and I get fairly attached.

The Civic Sport Touring (2017), I still owe about $4000 on and expected to pay off this year. It's thoroughly dented across the whole body, with a completely shattered (to the point it's opaque) windshield, broken mirror assemblies, 2/3 cameras are probably broken, a tail light is broken down to the LED board, and the moonroof assembly appears to be bent and sagging slightly, probably from the roof and side parts being bashed so heavily. Not sure how much water got in during the ensuing torrential downpour.

Realistically, it being to totaled seems likely, given the cost of many of the parts. Which means I'm going to be stuck buying new, because used ones are a relative rarity (I jumped to buy mine when it showed up in stock) and there's barely a price difference these days.

I'm curious if anyone else here has had experiences with that sort of thing or knows what to expect.

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