Clearing up Car Insurance Myths

Dozens of myths surround the automotive industry. Some are ridiculous, while others get to victimize many car owners. In this situation, knowledge is power. Being informed is the key to identifying myths and knowing what’s best for you and your vehicle.

For this post, we will debunk some of these myths:

Myth: Your credit score has nothing to do with your insurance 

This is 100% false. Your insurer will look into your credits score and rating in the process of calculating your premiums. Take note that if you have a poor credit score, you may pay more than someone who has an impressive credit record. It’s best to improve your credit score so you can save money from your car insurance.

Myth: The car color you choose will affect the cost of your premiums

Again, this is an unfounded statement. The color of your car doesn’t have anything to do with your premiums. Your insurer will base your premiums on the age of the vehicle, mileage, your credit score, engine size, your driving history, and so on. They will never use the color of your car to change the cost of your premiums. Sure, you will pay more with a new paint job, but it will not save you money from insurance.

Myth: The person who damaged your car is responsible for the repairs

Your car, your insurance. Regardless of whether your friend borrowed your vehicle and damaged it, it’s still your insurance that will pay the price. Take note that insurance policies apply to the car, not the person inside it, or driving it. So whoever is in your vehicle will not be responsible for the potential damages. Unless that person is willing to shoulder the out-of-pocket cost, it’s still you who’s accountable for the repairs.

Myth: Your insurer can revoke your coverage at any time.

Several state laws prohibit insurance companies from revoking a policy for no specific grounds. Usually, insurers are allowed to drop you off the policy if you’re not paying or if they proved that you’re trying to defraud them with a false claim. So if you pay regularly and you have a valid driver’s license, your insurer can’t ditch you for no reason.

Myth: Thieves don’t steal old cars, so comprehensive insurance isn’t needed

Thieves steal anything with value and that includes your old car. In fact, some criminals know the value of an old car, especially if it’s a rare model. Also, some old cars are no longer in production, so the spare parts for such models are in great demand in the market.

So even if you own an old vehicle, make sure that you have a comprehensive policy in place.

Myth: The items inside the car are covered by auto insurance automatically 

The gadgets and other valuables you place inside your car will not be included automatically under your auto insurance policy. You need a personal protection policy if you want to secure these items. Take note that such coverage isn’t specific to the valuables in your car. It can be any item that you want to cover.

Will a Cracked Windshield Get Me a Ticket?

Many drivers worry about a cracked windshield. Aside from blocking their line of sight, they also fear that they may get a traffic ticket because of it. Depending on what state you’re in, a cracked windshield may actually land you with a traffic ticket. Each state has its own laws concerning the extent of damage that will be penalized.

Penalties for driving with a cracked windshield could be anywhere between $100 to a few thousand. Take note, though, that these laws aren’t intended to make your life miserable. These are in place to protect drivers and passengers from potential harm. So instead of paying for traffic tickets, you might as well invest in professional repairs. After all, dodging repairs only exposes your car to more harm.

The risk associated with cracked windshields

A small windshield crack could be harmless at first, but when it starts to spread, your safety will be at risk. Cracked windshields are penalized because of the following risks they impose:

Obstructed vision

For extensive cracks, your line of vision will be obstructed. Driving will become more difficult, especially if sunlight strikes the glass. Cracks will produce blinding streaks of light, which will make driving dangerous, especially on the highway.

This added distraction becomes worse over time as the cracks start to spread. Remember that you can only put off professional repairs for a specific period. If you continue to avoid repairs, you will be exposed to further harm.

Risk of the windshield caving in

Your car’s windshield supports the structural integrity of your vehicle. However, when it sustains cracks, your windshield becomes less tolerant of temperature shifts and the force associated with curves.

If you happen to encounter a blind and sudden curve, your heavily cracked windshield will cave in. Also, during the winter season, it will only take a thick layer of snow for the glass to come off.

Poor airbag deployment

Your car’s windshield plays a big role in the deployment of your airbags. If you have a cracked windshield, the airbag may cause the glass to cave in. When this happens, the airbag will inflate outward instead of inward to protect you from the impact.

Poor force distribution in the event of a collision

Again, your car’s windshield is more than just a protection against outdoor elements while you’re driving. It’s also added protection for you in the event of a collision. The glass disperses the force to prevent your vehicle from being crushed.

If your windshield is filled with cracks, you’re exposing you and your passengers to increased risk. You should never wait for an accident or a traffic ticket to be issued before you have your windshield repaired.

Final words  

Cracked windshields may get you a traffic ticket. But, most of all, they expose you and your passengers to more danger while driving. Although it will cost a fee, professional repairs offer better security. They have licensed technicians that will deal with the cracks properly. Besides, your insurance policy could be covering the damage.

What Could Have Caused my Cracked Windshield?

So you just finished a tiring day at work. You walk to your car only to discover cracks on your windshield. The first thing that will come to mind will be what happened and what caused the glass to crack. In an outdoor setting, a lot of things can cause such damage. Still, the following are the most common causes of cracked windshields and auto glass.

Tree-related causes

If you parked under a tree, it’s possible that something has fallen off it and caused damage to the windshield. Nuts, branches, animals, and other debris that come off the tree will land on the glass and cause cracks. Depending on the size of it, some can even make a huge dent on the hood.

Hail

During hailstorms, expect that your windshield will bear the brunt of nature. Large pieces of hail will go crashing into your windshield. And if you’re driving at high speeds, the impact will be much stronger.

If you got caught in a hailstorm, try to drive as slow as possible or look for a place where you can seek shade. Aside from your windshield, hail will also cause dents to the body of your vehicle.

Sudden change in pressure

Extremely different air pressures in the exterior and interior of your windshield may trigger cracks. This is more evident if there are tiny dents already present on the glass.

Super high speeds will also damage your windshield as much as applying intense pressure on the surface. Also, if something exploded near your car, the blast waves may send your auto glass cracking.

Temperature shift

If you park under direct sunlight, your car will be exposed to intense heat. And as the glass expands at different rates, your windshield will likely suffer cracks all over. This will worsen if you slam the car door or encounter a steep curve while driving.

Stray objects

A Frisbee from a nearby park, a ball some kids are playing with, and other stray objects that have gone airborne can damage your windshield. The damage is usually unintentional and some may have the good heart to leave their contact number tucked under your wiper.

If you’re parking near a crowded place or near a housing complex, it’s more likely that your windshield will be exposed to this kind of damage.

Weak glass

It’s also possible that your windshield has already gone weak. Some low-quality windshields tend to crack faster, even at a moderate exposure to intense temperature or pressure.

Construction vehicles passing by

Construction vehicles will carry pebbles, rocks, gravel, and dirt that could come off as it drives. If you’re unlucky, it will pass just in time for some rocks to drop into your car. To prevent this, try to park at a distance from the nearest driving lanes.

Final words

Windshield cracks can be due to a lot of things. But whatever the cause is, it always calls for professional repairs or replacements. It could cost you a fee, but it restores the safety of your vehicle, especially if driving in long distances.

 

 

The History of Auto Glass

The automotive industry has gone through a lot of change over the years. One of the most improved and innovative components are windshields. This part of your car has gone through various revamps with the emergence of new technologies. What started off as brittle glass, windshields are now tougher and more durable than ever in the event of a collision.

Auto glass had gone through a tumultuous process before it became the refine technology it is now. To give you a blast from the past, here’s a quick rundown of the history of auto glass:

*1903 – In this year, a chemist named Edouard Benedictus invented laminated glass by accident. His assistant forgot to remove the cellulose nitration solution residue from a flask. But when Benedictus suddenly dropped the said flask, the shards adhered to the laminated layer.

*1920 – Car manufacturers start using laminated glass on vehicles. But this version of auto glass wasn’t as durable as it is today.

*1930 – Tempered glass was introduced to the auto industry. By this time, laminated glass is already standard. And in 1937, federal laws require car manufacturers to place safety glasses on every car model.

*1950 – Through the continuous invention and perfection of the auto glass, manufacturers have made a clearer version of windshields. They removed the bubbles that take place during the heating process. Also, in 1959, a break-through technology called float glass is introduced in the market, which increases the durability of the glass.

*1960s – The Pilkington Process was introduced. This revolutionary technology involves floating the glass, heating, and molding the mixtures. This is done in a controlled chamber to ensure the quality of the auto glass.

*1970s – This decade is a pivotal time for auto safety. This is the decade on which the National Highway Traffic Safety Administration (NHTSA) was created to regulate the safety of vehicles. The NHTSA is also the body that regulates the quality of windshields among vehicles.

After the ’70s, the auto glass industry continued to progress. From basic laminated glass, modern windshields are now equipped with three layers of materials. These are two layers of tempered glass sandwiching a sheet of polyvinyl butyral. Such materials are infused together with heat. This results in a tougher and safer version that can withstand force.

Windshields are safety components

Windshields are crucial safety components of your vehicle. As much as the modern versions are already tough, you should still have it checked regularly. Also, you must have your windshield repaired right away when cracks occur. Although cracks are small, these can branch into fissures that will block your line of vision.

As windshield technologies are continuously changing, you should only trust licensed technicians to replace, repair, or maintain your car’s windshield.

Final words

The auto glass industry has gone through a lot of changes over the decades. With such improvements, it just proves that a lot is still in store for us in the future. This also means that more safety standards are yet to be employed to boost both drivers’ and passengers’ security while on the road.

 

Is it Wise to Replace My Windshield before Selling My Car?

Cracks and dings on your windshield don’t just look unsightly. They also reduce the value of your vehicle and reduce its saleability. If you’re planning to sell your car, you have the option to have your windshield changed. It’s not a must, but in some cases, it will increase the value of your car and make it look more attractive to buyers.

So should you change your car windshield? Here are some of the benefits of doing so:

You’ll regain the cost

Replacing a windshield may seem like a needless, but you’ll soon earn the amount back. A new windshield will let you increase the price of your car, which will allow you to earn more and cover the expenses.

If you want to make the most out of the replacement, opt for OEM instead of after-market versions. Since the windshield is made specifically for the car model, you can impose a higher but still reasonable price tag.

Your insurance policy may even cover the cost.

It will help sell your car quicker

There’s no doubt that new parts will help sell a car much faster. No one wants to buy a vehicle mired with cracks and dings. Also, it will make your car more attractive during the test drive.

Remember that a damaged windshield is enough to scare most buyers away. So even if it will cost you money to fix, it’s an investment.

Your insurance may cover the costs

One guarantee that you’ll get your money back is that insurance policies cover most windshield replacements. Still, you have to consider the fact that insurers will look into the reason why the windshield is damaged in the first place. A quick check on your policy will help identify if you’re covered or not.

If you’re approved, it’s a no-brainer. After all, the replacement will only cost you a little, plus you’ll get the money back once you sell.

It will prevent further negotiations

Take note that a single crack can give potential buyers a reason to haggle the price of your car. You’ll be defenseless at this point, even more so if you have an old car.

Even if someone is bent on purchasing your car, they will try to write off a few thousand dollars from the actual price. And since you got tired chasing buyers, you’ll end up agreeing and losing a lot of cash in the long run.

Final words

Replacing a windshield may seem intimidating and expensive. But it willq yield benefits that will help you sell your vehicle and avoid excessive write-offs on the cost.

It’s best to tap the help of professional windshield technicians to guarantee the quality of work. As much as you want to cut corners on the fee, amateur work will only end up costing you more.

Nevertheless, a windshield replacement may not always be necessary. It depends on the condition of your vehicle and the model of your car.

Is Gorilla Glass the Future of Auto Glass?

Ever since auto glass became a standard in the industry, it has experienced significant change. Thanks to the emergence of various technologies, auto glass is becoming tougher and safer. One of the latest innovations in auto glass is the so-called ‘Gorilla Glass’. Marketed as a tough, durable, yet lightweight, Gorilla Glass is taking the industry by storm.

A brief history of Gorilla Glass

Before it graced the automotive industry, Gorilla Glass was first used in smartphones and other mobile devices. This chemically treated glass is now being introduced in the automotive industry by Corning Inc.

To make Gorilla Glass, the car glass is blended into molten salt. So instead of using potassium ions, the Gorilla Glass uses sodium ions.

This process results in a thin (0.5 mm) and very lightweight sheet of glass. Although thin, Gorilla Glass is very durable and weighs 75% less than most auto glasses.

With the larger production, Gorilla Glass is now being used in modern cars. Still, it’s yet to be a standard as more and more innovation is being introduced in the market.

Benefits of using Gorilla auto glass

Better efficiency

Since Gorilla Glass is very lightweight, it will directly reduce fuel consumption and carbon dioxide emissions of vehicles. It reduces the cost of operating your car while giving the environment a big favor.

Increased safety

All the technologies emerging to improve auto glass are all intended to improve its safety standards. With Gorilla Glass, a vehicle will have better braking and maneuverability abilities.

Gorilla Glass is not prone to shattering, which also reduces the injuries related to the shards of glass.

Improved visibility

Gorilla Glass is reported to be clearer than other auto glass. This improves the driving safety of vehicles, especially in zero visibility situations. In fact, experts say that Gorilla Glass offers three times more optical clarity than standard car glasses.

And since it’s clearer, Gorilla Glass provides a wider viewing field.

More resilient

Based on the initial tests conducted on Gorilla Glass, it can endure more force and impact. It’s more flexible than other auto glass which allows it to withstand higher force in the event of a collision or an accident.

Aside from high-speed damage, Gorilla Glass is also more durable in the event of a hailstorm. Since this glass also possesses the laminated nature, the small pieces will adhere to the polyvinyl butyral sheet.

Should you get Gorilla Glass?

If you want to improve the fuel economy of your car, then Gorilla Glass is a great choice. It also offers better durability, clarity, and driving safety.

However, since it’s a new technology, Gorilla Glass for cars may not come cheap. You can ask a local auto shop if they supply such replacements.

Final words

The auto glass industry is continuously innovating with new technologies. This modernization boosts the safety and efficiency of your windshield and windows. After many decades of innovation, we’ve arrived in an era when thin and lightweight can be tough and durable at the same time.

 

How to Tell if Your Insurance Covers Windshield Repair

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.

Final words

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.

 

How to Stop a Crack from Spreading

A falling object, an airborne pebble, intense temperature, all can cause the glass in your car to crack. At first, these cracks may look small. But if you leave it sitting for too long, these tiny cracks will create fissures that will spread all over your auto glass. If that happens, you won’t be able to drive your car and you’ll need to visit an auto body shop right away.

If you can’t go to an auto shop immediately, you have to keep the cracks from spreading and causing further damage to your glass.

Avoid sudden temperature changes

Glass expands and contracts when it’s exposed to sudden temperature changes. So if your windshield or windows have cracks, it’s best to avoid these abrupt shifts.

Instead of parking in direct sunlight, look for a spot with shade. This will reduce the possibility that heat causes the cracks to spread.

However, if it’s the winter season, avoiding intense temperatures could be challenging. At some point, it’s inevitable as you’ll be driving in the cold. Immediate repairs are best done here.

Try using clear nail polish

Many car owners reported success in using clear nail polish on tiny cracks. We never tried this, but many say that the results are great.

Just apply clear nail polish on the cracks and the surrounding areas. This will prevent the fissures from branching out while you drive to the nearest auto shop.

Remember, however, that this fix offers a temporary solution only. You still need to get the glass repaired or replaced.

Get a windshield repair kit

If you have the handyman skills, you can purchase a windshield repair kit from an auto supply store. You will need to bore a hole (use a 1/16 drill bit) at one end of the crack so you can force the resin solution into it.

Most of the time, this is the only repair needed for small cracks. However, if the damage is significant and still visible after the fix, you may need to visit an auto shop instead. Like the other tips we gave here, this repair might only offer temporary solutions.

Apply super glue

For small cracks, you can try applying super glue to keep the cracks from worsening. The cyanoacrylate glue will hold the glass and reduce the impact of wind and temperature. Still, like nail polish, this is only a temporary fix.

Ask the help of a technician

If the cracks are large and your line of sight is affected, it’s best to visit an auto shop right away. Windshield technicians will replace the damaged glass or apply professional repairs to it. This will be more expensive than temporary fixes, but it surely improves your safety. Also, it offers a permanent solution to the cracks.

Final words

Windshield cracks may look harmless at first. But once it spreads on the glass, it will start to block your line of sight. So before it becomes worse, you should employ temporary fixes while you schedule a visit to an auto shop. Remember, though, that permanent fixes are the only solution to this problem.

How to Cover a Broken Car Window Temporarily

A broken car window is a big hassle, especially if you can’t drop by an auto shop right away. In these situations, you need a temporary solution to patch up the broken window. Don’t let a broken car window stay open, especially if you’re driving. The continuous exposure to outdoor elements may cause further damage to your window as well as the interior of your car.

So to keep you prepared, here’s a temporary fix for a broken car window:

Materials that you need:

  • Vacuum

  • Plastic bag

  • Packing tape

  • Gloves

  • Microfiber cloth

Step 1. Remove as much shattered glass as possible

Wear a pair of gloves and try to remove as much glass as possible from the broken spot. It’s essential to remove the shards of glass so it won’t spill somewhere else and cause injuries.

After removing the large parts, vacuum the area to remove tiny bits of glass. Make sure that you vacuum through the window seal to remove as many shards as possible. Dispose of this properly to prevent injuries.

Step 2. Wipe the window frame

Once the shattered glass is removed, wipe down your window frame using a microfiber cloth. Try a wet cloth as it will remove layers of dust if you haven’t washed your car for a while. This will also make the packing tape stick better to the surface.

Make sure that you’re still wearing the gloves as tiny bits of glass could still be present on the surface.

Step 3. Place the cover

Using the plastic bag, patch up the hole and keep it in place using strips of packing tape. It’s best to use one strip per side and make sure that the tape overlaps.

IMPORTANT TIP: Always tape from the inside of your car. This is so you won’t scrape off the paint of your vehicle once you remove the temporary fix.

For smaller holes, you can use packing tape alone, but you have to ensure that you got everything covered. Once you had it patched up, you can now drive to the nearest auto shop or go to that important meeting.

Remember, this is just a temporary fix

A broken window will always need a replacement glass at some point. The temporary fix we discussed above is only effective for a day or two. When it starts raining, the tape will soon come off and expose your car to the downpour. This is the last thing you’d want to happen, especially if you have valuables inside.

Also, for the safety of your passengers, you must get a broken car window fixed as soon as possible. The longer you put it off, the more damage your car sustains. Besides, the glass may continue to chip, which could potentially injure your passengers.

Final words

A broken car window is a big problem, especially during the winter or rainy season. As much as you can use a temporary fix, this problem demands a permanent solution. A visit to an auto body shop is essential for you and your passengers’ safety.

How to Care for Your New Windshield

After getting your damage windshield repaired, you must protect it from now on. This will help you prevent expensive repairs while keeping you safe while driving. To ensure that your auto glass will remain in good shape, you should try the following tips:

Don’t drive yet

Right after the replacement of your windshield, avoid the urge to take your car for a test drive. Let your car sit for an hour after the replacement to allow the urethane to stiffen. If you don’t need your car right away, it’s best to let it dry for a few hours. This way, your windshield will be fully installed.

Never use power washers

If your car gets dirty a day or two after the windshield replacement, avoid power washing any glass. Power washers will cause the adhesive and mold to shift, which will damage the installation. Worse, you will notice leaks along the windshield adhesion area.

So a day or two after installation, hand washing is advisable. If you are washing your windshield, you should avoid scrubbing it too much.

Crack a window open

Intense air pressure will exert unnecessary force on the seal of your windshield. So while you wait for the adhesive to dry, you must crack a window. This will keep the pressure balanced inside and outside the vehicle.

Let the adhesives settle first

At all costs, avoid removing the retention tape unless the adhesive has finally settled. This will keep the molding in place and it will allow the adhesive to dry in the proper place. The tape could ruin the look of your vehicle, but it’s worth the pain for a day or two. Removing this will only do more harm than help.

Keep it clean

As much as possible, don’t expose your car to intense dirt as the adhesive dries. Since you can’t apply abrasive cleaning or enter drive-thru car washes, you should only perform mild cleaning on the first few days.

A good wipe using a microfiber cloth should be enough to remove the dust and dirt on the surface.

Avoid slamming the doors

Most of all, avoid slamming your doors. This intense pressure will shake your auto glass, which will make the adhesive or glass to shift. Aside from slamming doors, you should also avoid bumpy roads on the first two days after the windshield replacement.

Park it in a covered spot

Avoid parking under direct sunlight or snow after the windshield replacement. Aside from dodging intense temperatures, covered parking will also prevent falling objects from damaging your new glass.

You shouldn’t use your sun shade or dash mat within 48 hours, either. These two accessories will exert force on your windshield, which is something you want to avoid.

Final words

Your windshield protects you from outdoor elements while driving. But for it to function optimally, you should keep it safe on the first days after the replacement. This will allow the adhesive to dry properly so it will hold the glass in the right place. Most of all, protecting your new windshield will save you from a premature visit to an auto shop.