If your windshield is chipped or cracked, your next step is to contact your auto insurance company. Most insurance companies cover the cost of windshield repairs or replacements. Some will waive your deductible if your policy covers a repair for this type of damage. Get more info. Many will even work with a specialty repair shop to get your windshield repaired properly. If your windshield is covered by your insurance, you'll be glad you're protected. Read on to learn more.
Car insurance companies often offer two types of coverage for windshield repair and replacement. One type waives the deductible, while the other does not. However, in many states, the deductible is still applied, making it more expensive to get the repairs done. For this reason, follow comprehensive insurance is an excellent choice for those who are concerned about their insurance premiums. The good news is that it is unlikely to raise your premiums, even when you choose to include windshield repair and replacement coverage in your policy.
Liability coverage for windshield replacement is an important part of your auto insurance policy. In many states, this coverage pays for windshield replacement if you are at fault for an accident that damages someone's windshield. It can be helpful to make a claim with your own insurance company for windshield replacement if you have extensive damage to your windshield and are at fault for the accident. The best way to claim is to contact your insurance agent and discuss your personal policy.
Collision coverage pays for the replacement of your windshield if another driver was at fault in an accident. However, if you don't have collision coverage or comprehensive coverage, you won't be able to receive windshield replacement coverage. Unless you drive on liability coverage, or you purposefully hit another car, you won't be able to obtain windshield replacement coverage. Most insurance companies will only pay for replacement if the accident is the other driver's fault.
Full glass coverage will auto insurance cover windshield replacement, so long as you have the right policy. This type of coverage is optional, but it may save you money in the long run. Unlike comprehensive insurance, which often requires a deductible of at least $250, full glass coverage will usually cover the entire cost of a damaged windshield. Depending on the policy and your state of residence, you may not even need to pay a deductible at all.
The cost of a windshield replacement varies based on your location, the amount of damage, and the type of glass used. While auto dealers typically use factory replacement glass, independent glass installers generally use aftermarket windshields from a manufacturer's supplier. On average, a replacement can cost between $250 and $400. If you're replacing a windshield for aesthetic purposes, you may be able to save money by choosing a repair company that only uses high-quality glass. But beware of low-ball offers. Oftentimes, low-quality glass means distorted vision. This can be distracting.
Filing a windshield replacement claim with your auto insurance company is relatively easy. There are a few things to know, though. Auto glass damage can raise your premiums. In California, for example, it is mandatory to repair any windshield damage within 48 hours. To avoid any problems in this regard, check your policy to see if the repair is covered by your auto insurance company. Otherwise, you'll be on your own for the expense.
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