Does Windshield Chip Repair Affect Insurance – Drivers often wonder if their car insurance will cover a cracked windshield. According to the Times, windshields can crack for a variety of reasons, from road debris, storm damage, or neighborhood kids accidentally hitting the ball too far. Regardless of the cause, the first step in fixing the crack is to find out if your insurance company covers the windshield.
Balance tells us that while windshields can withstand all kinds of damage, they can’t always guarantee full replacement. In fact, minor damage can be repaired depending on the size and location. If the crack is directly in the driver’s line of sight, it must be replaced anyway, but a crack smaller than the size of a dollar bill outside the driver’s primary line of sight can be fixed quickly without replacement. Full glass.
Does Windshield Chip Repair Affect Insurance
The key to making sure you’re covered for cracked glass is comprehensive insurance. The vast majority of cases will be covered by your comprehensive policy, but you should get a comprehensive policy first. This is a voluntary addition to your policy and is not legally required in any state. Typically, it’s added to collision insurance and covers any damage that happens to your car due to something called an act of God.
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Value Penguin explains that there are a few common situations where comprehensive coverage will protect you, but essentially covers any damage that falls outside of collision coverage. Comprehensive coverage protects you The most common causes of windshield cracks include:
Most comprehensive coverage policies come with a deductible that must be paid upfront before the insurer will pay. There are situations where opting out of the deductible will greatly increase the cost of your premiums. In turn, the higher your deductible, the lower your premium, so keep that in mind when deciding which policy is best for you.
Fortunately, covering glass damage with comprehensive insurance is a little different than covering other types of damage. Even with standard deductibles in place, it’s possible to find policies that exclude glass damage. According to Value Penguin, however, it’s important to make sure all your mirrors are covered. For example, you may find policies that only cover the side window, not your windshield.
In some states, it’s legal that insurance companies can’t apply for deductibles on windshield repairs, so check your local laws to make sure that’s the case where you live. Remember, if you’re outside of these states, you don’t have to deal with the deductible because non-deductible options are still possible for glass repair. The widespread adoption of non-removable glass repair overlays is also a reason why alternatives like Gorilla Glass have been slow to catch on.
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There are many considerations to keep in mind before filing a glass damage claim, but they are usually not as serious as filing a claim after an accident has occurred. Cracked windshield caused by things like runway debris or a stray baseball won’t put you at risk, so you won’t see your insurance premiums go up. Remember, the decision to file withholding is primarily a financial one. If the repair costs exceed the deductible, you may have to file.
If you can’t afford your deductible, you’re in a bind. Driving with a windshield is dangerous. Not only does it make driving more dangerous, but you can get a ticket if the police pull you over. Fortunately, you may be able to find a private mirror company in your area that is happy to waive your deductible. According to The Balance, they always need business, so you can expect to find a company willing to help because they can still make a profit after covering some of the deductible.
Per Value Penguin, there is a relatively easy process that you must follow if you decide to claim cracked glass. The first step is to notify your insurance provider. This can be done in a number of ways, including filing a claim online or talking to an insurance agent. Whichever method you choose, it’s best to let your insurance provider know as soon as possible.
The next step may be to determine how your windshield is cracked. If it’s vandalism, you’ll want to notify the police and get a copy of the report. This is an important aspect of your claim in many cases. If it’s not vandalized, you can skip the vehicle inspection. Some insurance companies may require you to go to the auto shop of your choice for this. Every insurer is different, so make sure you’re working with mirror companies and auto shops approved by your insurance provider.
Frequently Asked Questions
Finally, make sure you save all your coupons for repairs and/or replacements. The insurance company needs to know exactly how much they will pay you, so keep all the evidence you need to submit the repair costs to your insurer. Without a voucher, you may be denied coverage or unable to get the coverage you need.
When “glass” is replaced or repaired, it is important to remember how easy it is to explain the “equilibrium” and return the glass to working order. If you only have a simple chip, a glass company can repair it and you won’t even notice it’s broken. Remember, this needs to be done fairly quickly. A small chip can easily turn into a large crack, so it’s best to fix it quickly.
When using your car insurance to pay for the cost of cracked glass, remember that the quality of the glass also plays a role. While it is possible to get original equipment manufacturer, or OEM, glass, most policies only cover low-cost glass.
Independently conducted by our staff of Car & Driver editors, Hearst Autos Research provides articles on cars and the auto industry to help readers make informed buying choices.
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How Much Should Car Insurance Be? How much is car insurance for teenagers? When does car insurance go down? How much is insurance for a new driver? A clean windshield ensures a safe driving experience, so you should repair or replace cracked or damaged windshields immediately. Auto insurance can sometimes include windshield replacement, depending on the coverage you choose and the auto insurer. Here’s what you need to know about how auto insurance covers windshield replacement.
Car insurance policies cover glass damage, but it all depends on the type of cover you buy. You may have to meet the specific criteria of your policy to pay for glass repair or replacement. For example, you may have to pay the deductible out of pocket before paying the remaining portion of the insurance policy. Some auto insurers offer non-removable mirrors. 1
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You may also need to prove the cause of the glass damage, as some insurance companies only cover it in certain circumstances. Read the terms of the policy to determine how it covers glass breakage.
There are several types of auto insurance policies for glass repair and replacement that offer different aspects of coverage. Your options are:
Comprehensive coverage for damages to your vehicle caused by accidents. These include floods, hurricanes, gravel hitting your windshield, or vandalism. In most cases, this type of coverage includes a set amount that only applies after deductibles. Comprehensive coverage on your policy costs In addition to basic car insurance coverage, it can further protect your vehicle. It may even be required if you have an auto loan.
This type of insurance covers damage caused by traffic accidents. Like comprehensive coverage, collision coverage usually has policy limits that include paying a deductible before coverage begins. If the damage to your windshield was caused by an accident after rear-ending another vehicle, for example, collision coverage may apply.
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Comprehensive, collision and liability coverage, full coverage insurance protects you against a wide range of losses. With full coverage, you’ll be covered regardless of whether the glass damage is caused by an accident.
If purchased, auto glass coverage does not require a deductible for the full cost of glass repair and replacement. If you have comprehensive coverage and live in Florida, Kentucky or South Carolina, the replacement glass deductible is waived
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