There are countless scenarios where drivers have encountered windshield dings and cracks from hail damage, vandalism, or from gravel or debris on the road. Often what may begin as a small chip in your windshield can spread to larger cracks and if not repaired, eventually lead to a full windshield replacement needed. Will your Auto insurance pay for the windshield damage or will you be stuck with a huge out of pocket expense?
When does insurance cover windshield repairs and replacement?
First, if you do not have collision insurance, comprehensive coverage, or full glass repair your insurance will not pay for any windshield damages.
In most cases, you need to carry “Comprehensive coverage” for insurance to cover a cracked or broken windshield and other types of glass damage.
When comprehensive coverage applies: If your windshield is damaged because of falling debris, hitting a deer or animal, or other perils, then comprehensive coverage generally covers the cost to repair or replace it. If your glass can be repaired instead of replaced, in most cases some insurance companies will waive your comprehensive deductible (A deductible is an amount of money that you yourself are responsible for paying toward an insured loss), then you will not have to pay anything.
Now, if you have “Full glass repair coverage” and your vehicle’s windshield or windows need to be repaired or replaced, you do not have to pay the comprehensive deductible. There is usually an additional premium you will have to pay for this added coverage to your auto policy.
When collision applies: If your windshield is damaged in a car crash, collision coverage typically covers the damage instead of comprehensive coverage and you may still be required to pay your deductible before your auto insurance would apply.
Therefore, it is important to have an independent agent who can help advise on what types of coverages, deductibles and liability limits are appropriate to protect you and your family while on and off the road. Contact Paroubek Insurance to learn more about insurance coverages for all your autos, motorcycles, RV’s, trailers, and more.
Sources:
https://www.progressive.com/answers/windshield-damage/ https://wallethub.com/edu/ci/windshield-insurance/14098 https://www.glassusa.com/blog/cracks-are-whack-the-top-10-reasons-why-windshields-crack/ https://www.erieinsurance.com/blog/handle-windshield-repair
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