You’re calmly driving down the main drag in Hartford when, Wack! A small stone spits out of the wheels of the truck in front of you and smacks your windshield. The result is a big chip that you simply can’t ignore. It will have to be fixed or, worse, the entire windshield might have to be repaired.
So, what are your options? Does insurance cover this sort of damage?
Let’s dive right in to answer these questions.
Will Insurance Cover Windshield Damage?
Possibly. These are the types of insurance that may cover glass damage:
Comprehensive coverage is optional if you own your vehicle outright. On the other hand, if you’re leasing a vehicle or financing it through a bank or other financial institution, comprehensive coverage is usually mandatory. This actually works in your favor if you have windshield damage, however.
That’s because comprehensive coverage includes protection for glass damage that was not caused by a collision. In fact, that’s what comprehensive coverage is for — it takes care of repairs necessary after damage because of:
- Falling objects (such as a branch from a tree)
- Natural disasters
If you chose to include comprehensive coverage on your auto insurance plan, you also chose a deductible amount. Let’s say your deductible is $500. If you haven’t yet made any claims that resulted in an out-of-pocket pay down of your deductible this year, even if you make an insurance claim on your windshield damage, you will have to pay the full deductible before your insurance coverage will kick in. The good news you can usually count on, however, is that your premiums won’t go up after you file a glass damage claim.
Full Glass Coverage
Another type of optional auto insurance that will take care of class damage is called full glass coverage. This doesn’t cost much, but you’ll be glad you have it if you need to repair your windshield or get it replaced. Full glass coverage usually doesn’t come with a deductible, or the deductible is considerably lower than you’re used to.
Property Damage Liability Insurance (At-Fault Driver)
In some cases, another driver was at fault for your vehicle’s glass damage. If this was the case, make sure you get their personal and insurance information and talk to their insurance agency. You may be able to have your windshield repaired or replaced through their property damage liability insurance.
How Insurance Companies Handle Glass Damage
Repairing and replacing windshields isn’t too difficult of a task for professional glass technicians. In fact, they can often come right to your home so you don’t have to take your car into a garage. Most insurance companies want to repair a broken windshield if possible. This involves cleaning the area and injecting the chip with resin.
If you can’t get it repaired, you’ll need to get it replaced. Keep in mind this can be expensive with today’s modern, technologically-advanced windshields.
How Most Windshield Damage Happens
Avoid doing the following for the best chance at keeping your windshield safe from chips and cracks:
- Take your car into the garage during storms (especially hail storms)
- Always choose paved roads over dirt roads
- Stay back from large semis and construction trucks on the road
- Stay off the shoulder whenever possible
Frangquist Insurance Agency is happy to assist you if you have questions regarding glass damage claims or auto insurance in general. Contact us today to sit down with one of our agents who will answer all of your questions and advocate on your behalf to find you the best plan possible.