Geico covers hail damage if it is part of your policy. Bare minimum coverage does not cover acts of nature.
No. that's what Auto Insurance is for. Home insurance covers damage to your home from wind, hail, fire, lightning etc. Likewise, your auto insurance, comprehensive coverage would repair wind, fire, hail and lightning related damage to your vehicle.
Hail damage and other acts of nature is covered under the comprehensive portion of your policy. If you picked comprehensive coverage when you purchased your auto insurance then yes, it would be covered.
Sure. You can buy liability insurance on the car but I doubt if the insurance company would sell you a policy with physical damage coverage. Most insurance companies would require you to have the vehicle repaired before allowing you to have physical damage coverage. You would have to have it inspected and photographed by the agent. As long as you have comprehensive coverage, most auto insurance companies would cover for hail damage. However, check your policy to make sure that there's hail damage is not excluded. Be prepared for hikes in premiums though; when an area has a lot of claims, the rates there tend to rise.
NO, Homeowners Insurance would cover hail damage to the home depending on his policy but not to the cars, not his own car or anyone else's car. That's what car Insurance is for.
No. That would come under comprehensive insurance.
If you have wind and hail coverage on your policy and the detached garage is a covered structure on that policy then Yes, your policy would cover the damages.
Yes, you will be reimbursed if you have full coverage on your car. If you do not have full coverage then you will not be covered.
Existing damage is never covered.
Yes, wind rain and hail damage is covered
Purchase Extended Coverage that includes Wind and Hail losses with your Homeowners Insurance Policy. This way future losses will be covered.
Your collision coverage should pay for the damage caused by hitting the tree.Comprehensive insurance covers water damage, hail and flood. However, in your scenario, the damage was only indirectly caused by the water. Damage to your car caused by hitting another car or a fixed object is paid for by your collision coverage.