Does Car Insurance Cover Cracked Windshield
Does Car Insurance Cover Cracked Windshield?
Most of us have experienced the heart-stopping moment when a rock chips a windshield, or a wayward baseball smashes it in. Even though you can’t prevent the occasional windshield crack, you can be prepared to deal with it. One of the most common questions asked is “Does my car insurance cover a cracked windshield?”
Comprehensive Coverage
The answer is yes – if you have comprehensive coverage. Comprehensive coverage is an optional coverage that helps protect your car from non-collision damage, such as theft, vandalism, and windshield damage. If your windshield is damaged and you have comprehensive coverage, you can make a claim to your insurance company and they will cover the cost of repairing or replacing the windshield. It’s important to remember that comprehensive coverage only covers windshield damage that is not caused by a collision, so if a rock hits your windshield and cracks it while you are driving, you will need to pay for the repair or replacement yourself.
Glass Deductible
When you file a claim for a windshield repair or replacement, it is important to remember that you may be responsible for a glass deductible. A glass deductible is a set amount that you must pay out of pocket before your insurance company will pay for a windshield repair or replacement. Generally, the glass deductible is much lower than the deductible for other types of claims, such as collision or comprehensive claims. Depending on the limits of your policy, the glass deductible can be as low as $50.
Paying for a Windshield Repair or Replacement
If you are responsible for paying for a windshield repair or replacement, there are several options available. You can take your car to a local glass shop and have them repair or replace the windshield. Alternatively, you can take your car to a dealership, which will likely be more expensive but may be covered by your warranty. You can also find companies that specialize in windshield repair and replacement, but it is important to make sure you are dealing with a reputable company that is licensed, bonded, and insured.
Preventing Windshield Damage
The best way to prevent windshield damage is to stay alert while you are driving and to make sure your windshield is always in good condition. It is also a good idea to keep a few extra windshield wipers in your car in case one breaks or wears out. Finally, make sure you are aware of any road hazards that may cause damage to your windshield, such as potholes or debris.
Conclusion
If you have comprehensive coverage on your car insurance policy, you can make a claim for a cracked windshield and your insurance company will likely cover the cost of the repair or replacement. However, you may be responsible for a glass deductible, so it is important to make sure you are aware of the limits of your policy. The best way to prevent windshield damage is to stay alert while driving and to make sure your windshield is in good condition.
