One day, you are driving along. Suddenly, the car in front of you kicks up a rock that flies into your windshield. It leaves a significant crack in the glass that impacts your line of sight. Because this was an unavoidable accident, your car insurance might offer some recourse. However, some limitations exist. Consider how your policy can aid you following a damaged windshield.
Covering Windshield Damage
Many auto policies can cover windshield damage. However, never assume. You usually must add the correct coverage to your policy.
Most basic car insurance policies will not automatically cover windshield breaks. The lowest level policy in your state will likely only include liability insurance. This coverage only extends to the damage or injuries you cause others in an at-fault accident.
To cover damage to your own car, you'll likely need to tell your agent to add collision and comprehensive protection to your policy. You might also need uninsured/underinsured coverage.
- Collision insurance will pay for vehicle damage, like windshield breaks, resulting from wrecks.
- Comprehensive coverage covers damage that did not come from an accident. For example, it may pay for a vehicle damaged by fire, weather, theft and more. This coverage is often particularly critical when it comes to windshield protection.
- Uninsured/underinsured coverage lets your policy pay for damage caused by someone else. If that party doesn't have appropriate liability insurance, you can use this to pay for your losses.
Deductibles And Coverage Limitations
Remember, times may arise when you cannot get coverage for your windshield damage.
- The cause of certain types of damage might cause your insurer to exclude coverage. For example, damage from normal wear and tear might receive no insurance compensation.
- You will likely have to pay a deductible on any vehicle damage. This is your financial responsibility before insurance pays their part of the claim. If windshield damage falls under the value of the deductible, your insurer will not pay. This might occur more often than you think, as many windshields only cost a small amount to repair. Replacements, however, might prove costlier. Let your insurer determine your qualifications for a claim.
In some cases, you have the chance to add full glass coverage to your policy. It will work alongside your comprehensive coverage. It can reduce or eliminate a deductible following a windshield break.
If you experience windshield damage, don't hesitate to contact your Cheapest Auto Insurance agent. They'll often help you determine if you have coverage, and the proper channels of repair.