Will the car insurance take over the substitute of the windshield? – Bankrate.com

Replacing windshields was the most important damage in car insurance in the past. Road waste from vehicles and construction vehicles can do a surprisingly large amount of damage when you travel 100 km / h. A tiny pebble could break your windshield. Many people ask, "Can the insurance cover windshield damage?" The answer depends on the type of car insurance you have.

Having the cover to repair or replace damaged glass can save you hundreds of dollars or more. If you don't have a windshield, replacing a broken windshield can cost up to $ 400 for a standard vehicle and up to $ 1,500 for a luxury model. Comprehensive coverage is what you need in your policy to repair or replace your windshield. Wearing this coverage can be a wise financial decision, especially if you plan on spending time on the highway.

Does car insurance cover windshield damage?

There are two main types of car insurance, commonly known as minimum and comprehensive insurance. Minimum coverage auto insurance is the simplest type. It means the minimum coverage that is required by law in your state to operate a vehicle. That is, states do not require optional coverage such as full and collision coverage. As a result, if your windshield is broken due to a rockfall while driving on the highway, full coverage is not available to cover the repairs.

Full coverage expands the required government coverage and adds full and collision coverage to your auto policy. These add-ons help cover repair costs for hazards such as fire, flood, theft, vandalism and damage to your vehicle due to a culpable accident.

Are windshields insured? They would usually be done through the full coverage portion of your policy. However, other options may exist depending on your insurance company, the state you live in, and the event that caused your broken glass. Here's how any type of cover could work in the event that your vehicle's glass was damaged.

Accident insurance

Accident insurance pays for damage and repairs to your vehicle caused during an accident. If your windshield cracks after you hit another vehicle or hit a mast, your collision insurance will likely cover the windshield damage minus the deductible you chose for that coverage.

Fully comprehensive insurance

Fully comprehensive insurance offers additional protection for other events that are not related to a collision. Suppose a branch falls on your vehicle, a stone hits the window, you hit a deer or a severe hailstorm cracks your windshield. In each of the cases mentioned, a fully comprehensive insurance can pay for the replacement of the damaged glass minus your deductible.

Full glass cover

Insurance companies offer full glass insurance in many countries, which you can purchase in addition to fully comprehensive insurance. It is designed for glass repairs or replacements only and often comes with a $ 0 deductible.

Do I have to pay a deductible?

According to the Insurance Journal, most car insurers waive the deductible from fully comprehensive insurance for repairs. However, if you don't live in the states of Florida, Kentucky, and South Carolina that don't have a deductible, you'll need to pay a deductible for a replacement.

As for the three named states, state law doesn't allow shippers to sell a full glass cover with a deductible.

What if I don't have fully comprehensive insurance?

If you do not have fully comprehensive insurance, you can still have your windshield replaced. If you were involved in an accident in which your windshield was damaged and the accident was caused by another driver, the guilty driver (or his insurance company) would have to pay your costs under his liability insurance. Most of the other scenarios, however, fall under fully comprehensive or collision insurance, and without these insurances you will pay the costs out of pocket.

How to report damage to the windshield

In order to claim a window replacement, you should first assess the extent of the damage. A good rule of thumb is that if there is a crack in the glass that is at least 15 centimeters in length, it makes more sense to completely replace the glass.

Small chips or cracks could be repaired by an auto glass professional without removing the entire windshield. If in doubt about repairing or replacing a windshield, your insurance company or a glass professional can advise.

Time is of the essence when your windshield is damaged. Even a small chip or crack can spread quickly. And damage to the glass could compromise the strength and integrity of the entire windshield. To file a windshield claim:

  • Photograph and measure the damage to see if repairing is enough.
  • Report a claim online, by phone, or with your local insurance agent.
  • Provide your claims adjuster with the photos or the size of the claim.
  • Select a glass and windshield specialist from the options available from your insurance company. You may need to take your vehicle to a facility, although many companies have a mobile windshield service that will come to you.

frequently asked Questions

Does my insurance cover windshield replacement?

Most auto insurers will take care of replacing the windshield when you have extensive coverage in your policy. In some cases, the deductible is waived for windshield repairs. However, if you do need to completely replace the windshield, you will likely be responsible for paying your deductible unless you live in a state with no deductible.

Should I replace or repair my damaged windshield?

The best way to determine whether a glass repair is sufficient is by measuring the damage. If it's smaller than six inches, you may just need to repair the windshield. But if the damage is greater than six inches, the glass could become unsafe and a new windshield might be a better option. Contact a glass repair specialist if you are in doubt about whether your windshield should be repaired or replaced.

How much does a fully comprehensive insurance cost?

Fully comprehensive insurance is more expensive than the minimum insurance, but it offers the optional full and collision insurance that you need to cover the damage to your vehicle. The average annual cost of car insurance for full insurance is $ 1,674 per year.

Comments are closed.