As far as car insurance is concerned, it can be difficult to determine what type of coverage you need, and how your policy will apply in certain situations. Car window glass repair is no exception, and here we will tell you how your coverage can apply to a damaged or broken windshield.
To understand auto glass repair coverage, you’ll first need to learn some basic car insurance terminology. There are two coverage types: liability and comprehensive:
- Your liability coverage pays for damage to others’ vehicles, but not your own. This coverage is good if you have an inexpensive or older vehicle, or can afford to replace your car on your own.
- With comprehensive insurance, damage to your vehicle is covered, along with damage to the other driver’s car. Most comprehensive insurance policyholders have auto loans; it’s a good coverage to have if you can’t afford to pay out-of-pocket to replace your car. Comprehensive policies come with higher premiums, but they can help you save on repair or replacement of your vehicle.
Anytime a claim is filed against your policy, you are required to pay the deductible, which is a payment threshold that is to be met before your insurance company will pay the claim.
Common deductibles are $250, $500, or $1000 per incident, and choosing a low deductible can increase your premium but it will lower your out-of-pocket expenses for auto glass repair and other jobs.
Windshield Replacement and Repair
Comprehensive policies are those that can cover windshield breakage and cracks. In most cases, the deductible applies, but there are a few things you should consider:
- Most insurers often have separate rules for auto glass repair, and these rules often allow for lower deductibles.
- If damage is insignificant, you may be able to get it fixed for free.
- If your deductible is high and you don’t have glass coverage, you may want to leave your insurance company out of the loop and pay for repair or replacement out of your own pocket. Many auto glass repair companies offer to reduce or waive deductibles, or they give other financial incentives.
With any kind of car insurance, you should count on paying a deductible for glass replacement or repair, but every case is different. Consult your insurance agent about repair coverage, and get small chips and cracks fixed before they become big problems. When you do your research before hiring an auto glass repair company, you can save a substantial amount of money.