Windshield damage doesn’t just compromise your driving safety. It’s also an added expense since it needs immediate repairs. Fret not, because in most cases your insurance policy will cover a large portion of the cost. This way, you only need to shell out a small amount instead of paying for everything at once.
However, you have to consider the terms included in your insurance policy. Like any other coverage, your insurer will look into the details on how the windshield got damaged.
So when is the damage covered or not? Here are some of the things you need to know:
Comprehensive car insurance coverage
If you have a comprehensive policy, the most common windshield damage causes will probably be covered. Some of these include damage caused by hail or ice, gravel, rocks, animal collision, natural calamities, or theft and vandalism.
Still, you should know that each policy differs from the others. A quick check on your policy will determine if the cause of damage on your windshield is covered by your insurance.
Take note, too, that car crashes and collisions may not be covered under your comprehensive car insurance policy. Some insurers will sell a different policy covering the damage caused by these situations.
If your policy is a bit vague, you can call your insurer and ask for more information.
What you need to know about deductibles
Most insurance policies that cover glass damage will usually have a higher deductible than other policies. Also, some policies will require a deductible, which could be much higher than the cost of getting your windshield repaired. In these cases, it might be better to shoulder the cost than to stress yourself with a claim.
Still, if the deductible is reasonable and the damage isn’t due to crash or collision, the cost of your premium shouldn’t escalate too much.
OEM or after-market?
Usually, insurance companies will require an OEM replacement for cars that are older than two years. Also, some would demand specific credentials on the shop you’re planning to hire for the repair or replacement.
It’s best to ask your insurance company about the type of glass you’re allowed to use. Still, some insurers will allow after-market parts given that professional and licensed technicians will install it.
Full glass replacement coverage
You can also opt for a full glass insurance coverage in addition to your comprehensive policy. This way, you can have your windshield repaired or replaced without a necessary deductible. In this policy, you can get glass replacement for no cost to you.
However, if you are at a high risk of collisions or accidents, you’re better off with a separate collision or liability insurance. This policy covers all the cost of windshield repairs, as well as the damage sustained by your vehicle.
You must be prepared even before the damages occur. Getting the right policies that cover the damage is a start. Nevertheless, caution should save you from the hassle of having to deal with windshield problems. Anyway, if cracks and major problems occur, never hesitate to ask professionals for help.