Does Car Insurance Cover Broken Driver Side Window?

Are you asking yourself the question: Does car insurance cover broken driver side window? You are not alone. Many drivers find themselves in the situation of having their driver side window suddenly break and need to know if their car insurance policy will cover the costs of repair or replacement. The answer depends on the type of coverage you have and the circumstances surrounding the breakage. In this article, we’ll take a look at the various types of coverage and when they may apply to broken driver side windows.

Comprehensive Coverage

Comprehensive coverage is the type of car insurance policy that generally covers most non-collision damage. This includes damage from theft, vandalism, fire, and other causes such as broken driver side windows. If the window was broken due to any of these causes or any other non-collision related event, your comprehensive coverage should cover the costs of repair or replacement. However, there may be a deductible that needs to be paid before the insurance company will issue a payment. Deductibles are typically a fixed amount and will vary depending on the policy.

Collision Coverage

Collision coverage is the type of car insurance that covers damage caused by a collision. If the driver side window was broken due to a collision, then this type of coverage would typically apply. The insurance company may pay for the repair or replacement of the window, less the deductible. The amount of the deductible will vary depending on the policy.

Glass Coverage

Glass coverage is a type of car insurance policy that is specifically designed to cover the cost of repairs or replacements of windshields and windows. This type of coverage is usually an optional add-on to a comprehensive or collision policy and will usually come with a separate deductible. If you have glass coverage on your policy, then any broken driver side window should be covered, less the deductible.

Other Factors to Consider

It is important to note that some insurance companies may not cover broken driver side windows if the window was broken due to a pre-existing condition. For example, if the window was cracked prior to the incident, then the insurance company may not cover the cost. Additionally, some insurance companies may not cover the cost of an OEM (Original Equipment Manufacturer) replacement window, but may only cover the cost of an aftermarket window. Be sure to read the fine print of your policy to determine what type of coverage is included.

Conclusion

The answer to the question “Does car insurance cover broken driver side window?” depends on the type of coverage you have and the circumstances surrounding the breakage. If your driver side window was broken due to theft, vandalism, fire, or any other non-collision related event, then your comprehensive coverage should cover the costs of repair or replacement, less the deductible. If your window was broken due to a collision, then collision coverage should cover the costs, again, less the deductible. Additionally, if you have glass coverage on your policy, then you should be covered for the cost of repairs or replacements. However, be sure to read the fine print of your policy to make sure that you are fully aware of what type of coverage is included.