Does Auto Insurance Cover a Damaged Windshield?
If your car has a chipped or cracked windshield, you'll need to get this replaced as soon as possible. Not only can a chip or crack spread if it's left untreated, but driving with an obstructed view caused by a large crack can be dangerous. Depending on where you live, you might even face a potential fine/ticket for driving with a cracked or otherwise damaged windshield.
One of the most common questions drivers have about windshield repair/replacement is whether or not it's covered by auto insurance. The good news? It typically is--but it depends on the type of policy and coverage you have in place.
First, Check Your Coverage
The best way to determine whether or not your windshield damage is covered by insurance is to check your policy paperwork. If you have comprehensive coverage, there's a good chance your insurance will pay for your windshield repair or replacement. However, not all comprehensive policies include coverage for auto glass damage, so you'll want to read the fine print. Keep in mind that some policies may also have a comprehensive deductible, so you may still have to pay a small amount out of your own pocket--even if you're covered.
Contact Your Insurance Agent
If you have auto glass protection through your comprehensive auto insurance coverage, the next step will be to call your insurance agent to begin your claim. He or she will likely ask you to send photos of the damage to your windshield in order to begin processing the claim. Be sure to submit any required documentation to your agent as promptly as possible, as this will expedite the process.
Set Up Repair or Replacement ASAP
As soon as you're given the all-clear from your agent to schedule your auto glass service, get this taken care of as soon as possible. Some auto glass chips or cracks can be repaired using a bonding resin, which is much easier and faster than replacing an entire pane of glass. If you wait too long to schedule your repair and the crack/chip spreads, however, you may end up needing a total windshield replacement.
When choosing an auto glass shop, be sure to find one that will work directly with your insurance company and bill them rather than you. You may also want to select a company that will use original manufacturer glass instead of aftermarket glass. From there, you can have your repair or replacement done and be back on the road in no time.
For more information, contact professionals like Reinhardt's Insurance Agency.
