Will my insurance cover my cracked windshield

Will my insurance cover my cracked windshield

If you have comprehensive coverage on your car insurance policy, filing a glass claim may help repair or replace your cracked windshield if the damage came from a rock, hail or tree branch. Full auto glass car insurance covers you from many causes of windshield damage, and you might not even have to pay a deductible.

Car Insurance Coverages for Windshield Damage

When it comes to protecting drivers from the cost of windshield damage, there are two types of coverage. If you have comprehensive coverage, you likely have basic cracked windshield insurance that includes a deductible. You may also have the option to pay a little extra for full auto glass insurance coverage.

 

Comprehensive Coverage

If you have comprehensive insurance, it may help pay for glass damage to your windshield from a:

 

• Rock
• Tree branch
• Hail

However, you may have to pay the deductible on your auto insurance to file a claim. Sometimes your deductible may be higher than the cost to fix the cracked windshield. Depending on the amount of your deductible, you may decide to pay for the damage yourself unless your windshield needs to be replaced completely.

 

Full Auto Glass Coverage

Most insurance companies allow you to add auto glass insurance coverage to your policy. With full auto glass coverage, you usually won’t pay a deductible. That means that you won’t have to pay out of pocket for windshield repairs. Sometimes called windshield insurance, this type of policy also covers windshields that need to be replaced.

 

Replacing vs. Repairing Your Windshield

That tiny rock might have only made a small chip in your windshield, but if you don’t get it taken care of, it could become a bigger problem. A chip or crack can block your vision when driving and can become a much larger crack quickly.

 

See a windshield specialist as soon as possible. They can help you determine whether your windshield needs to be replaced or if they can do a glass repair. If the crack is shorter than a dollar bill, the specialist may be able to repair the cracked windshield.

 

If you do need your windshield replaced, you can get it replaced with original equipment manufacturers (OEM) glass or get an aftermarket automotive windshield. OEM glass is the same type of glass that was originally installed into your car. This glass is manufactured following your car maker’s regulations.

 

Aftermarket automotive windshields are made by manufacturers that don’t have contracts with your automaker. This means they don’t have to follow certain guidelines that regulate glass thickness, durability or color.

 

Perfect Touch Auto Glass is the best choice for auto glass service.