Broken window on your car? Cracked windshield?
Many people are unsure what exactly their insurance will cover when it comes to glass damage. As a result, it’s not uncommon to avoid making a claim after something happens. Unfortunately, this is likely a mistake. That’s because most auto insurance policies will cover glass damage.
Below, we’ll go over some key things you should know about auto insurance and glass repair on your vehicle.
Insurance Companies Know That Glass Damage Is Common
Glass damage is one of the most common types of damage that can occur to vehicles on the road. Most often, one of the following situations is the cause of most vehicle glass damage:
- Kicked up rocks from other vehicles on the road
- Driving on the shoulder of the road
- Driving on highly trafficked highways
- Driving on back roads made of dirt or gravel
- Trailing vehicles too closely
- Being in a climate with sudden temperature or pressure changes (can cause stress cracks)
Because of the frequency of vehicle glass damage, insurance companies generally won’t increase your premiums if you make a related claim. This is true unless you’re requesting them all the time. Of course, you should always check your personal policy.
Comprehensive Coverage Can Save the Day
In most cases, comprehensive coverage within your auto insurance policy can pay for the replacement or repair of a cracked, chipped, or shattered windshield. Again, check your policy. Know that comprehensive coverage is generally subject to a deductible as well.
On the other hand, if you’re lucky, your insurance policy will come with something called “Full Glass Coverage.” This type of coverage will generally repair or replace a broken windshield at a much lower deductible or with no deductible at all. It’s a common feature of many auto insurance policies, so check with your agent to see if you have it.
The Other Driver’s Insurance Can Help Too
In situations where another driver was at fault for the glass damage, get their insurance information as soon as possible. Their property damage liability insurance may cover your broken windshield.
How Much Does Glass Repair and Replacement Cost?
Judging the final cost of glass repair or replacement to your vehicle can be tough. In the end, the total will depend on many factors.
Let’s say your windshield was chipped after trailing a semi on the highway. In order to understand how much a fix will be, you’ll need to factor in:
- Your car’s make and model.
- The severity of the issue. Some chips can be cleaned and filled with resin for a quick fix, for example.
- How complex the technology of your windshield is. Newer windshields have integrated tech (sensors, mirrors, and other features) embedded in them.
- Whether any sealants or adhesives will need to be involved in the replacement process.
What Are Tips for Avoiding Glass Damage?
River Falls boasts a number of scenic trails and backwoods roads. Driving on these paths can cause glass damage, especially if you drive fast.
Drive slow on back roads and dirt roads to avoid a rock flying up and breaking your windshield. Here are some other tips for avoiding glass damage:
- Keep your distance from other cars (especially trucks) on the road.
- Avoid driving on the shoulder (or trailing someone else driving on the shoulder).
- Be aware of stress cracks, which often have no point of impact. These can be caused by sudden changes in barometric pressure or temperature.
Have questions about auto insurance or windshield repair coverage? Call or stop by Reis Insurance in River Falls today. Our agents are here to help.
