Comprehensive auto insurance coverage can help pay for the repair or replacement of your windshield if it is cracked or broken by a rock. Another coverage called full glass coverage may also be available to protect you against the cost of repairing or replacing a windshield.
REPAIR VS. REPLACE YOUR WINDSHIELD
If your windshield is cracked but not damaged, a qualified windshield specialist can help you decide whether it is better to repair or replace your vehicle.
According to the National Windshield Repair Association (NWRA), repairs are generally much cheaper than replacement when it is reasonable. The NWRA suggests that repairs be made as soon as possible to prevent cracks from growing or getting worse. A useful rule of thumb is that a chip or crack smaller than a dollar bill can usually be repaired, according to Safelite AutoGlass. Always consult a specialist to make your decision.
AUTOMATIC WINDSCREEN DAMAGE INSURANCE COVER
Comprehensive coverage can help fund the replacement or repair of a damaged windshield if it is struck by a stone or other object. The complete solution also covers damage caused by risks such as fire, theft, falling objects or hail.
According to the Insurance Information Institute (III), full glass coverage may be available as part of or in addition to your comprehensive coverage in some states. With full glass protection, you may not have to pay a deductible to repair your windshield. To purchase this optional coverage, contact your representative to determine if it is available in your state.
DO I PAY A FRANCHISE?
A deductible is an amount you pay out of pocket for a covered claim. Whether you pay a deductible for a damaged windshield claim depends on your policy and the state you live in.
Note that your auto insurance will generally only cover the amount of a claim in excess of the deductible (up to the insurance limits). An example of how this might work: let's say you have a $ 500 deductible for your full coverage. Now if you claim to have your cracked windshield fixed and it costs $ 233, you will end up paying completely out of pocket.
However, there are times when you cannot pay a deductible on a glass claim:
If your comprehensive coverage includes a glass repair contract:
The National Association of Insurance Commissioners says some insurance companies waive the deductible if your windshield only needs repair (not replacement). Ask your representative if your comprehensive coverage includes a glass repair contract.
If you have opted for full glass coverage:
As explained above, full glass coverage (in available states) can help pay for your windshield repair with no deductible.
If state laws require that the deductible be waived:
In some states, regulations state that, according to the Insurance Journal, insurers cannot charge a deductible on aggregate damages claims for safety glass such as windshields. In these states, you may be able to repair or replace your windshield without paying a deductible
In short, comprehensive vehicle coverage can help cover the cost of repairing your car in a number of different scenarios. One of these risks could be a stone crash or a broken car windshield. Whether or not you pay a deductible may depend on whether your windshield needs repair or replacement, the type of coverage you have, and the laws in your state.
Windshield damage can't always be avoided, but the right coverage can help you make the repairs so you can get back on the road.