A cracked windshield can be expensive to replace, which leads to many people driving unsafe vehicles in an attempt to save money. Auto insurance provides coverage for broken or cracked windshields in some circumstances.
1. Comprehensive Coverage
Most auto glass damage is covered under the comprehensive coverage on an auto insurance policy. Comprehensive coverage is optional. It covers damage to your vehicle that occurs due to something other than a collision. Examples would include a crack or chip that is caused by a rock hitting your windshield or a tree limb falling on the vehicle during a storm. If you have comprehensive coverage, an auto glass baton rouge company will usually work with your insurance company to pay for needed repairs.
2. Deductibles
Most comprehensive policies have a deductible that you are required to pay before your insurance coverage kicks in. The deductible for comprehensive coverage is often lower than the deductible for collision coverage; however, it may be worthwhile to choose a higher deductible to lower your premium.
Many insurance policies treat glass coverage differently than other types of damage. You may not have to pay a deductible for glass repair with many policies. If you are unsure about your deductible for glass claims, you can ask your insurance agent.
3. Filing Your Claim
Filing a claim for glass damage is usually a straightforward process. Because this type of damage is not usually caused by something that is under your control, premiums should not increase because of a glass damage claim. The main thing to consider is whether the damage exceeds your deductible. If your policy has a zero deductible for glass claims, then there is no reason not to file a claim. Even if your damage seems minor and unlikely to exceed the deductible, you may still want to file in case it ends up costing more than you think it will.
4. Getting Repairs
Small chips and cracks can often be repaired without even having to go into a shop. Many insurance companies work with mobile glass repair companies that can come to wherever your car is and fix minor damage. If your damage is more expensive, you will probably need to put your car in the shop. If you don’t have a preferred shop, your insurance company can probably recommend one.
If you only have liability or collision insurance on your car, your glass damage may not be covered by insurance. However, if you have comprehensive coverage, it may be covered at no cost to you.
