Windshields are very critical components in vehicles. Now they just block the wind, they also protect you from flying debris and hail. Drivers don’t realize the importance of having a windshield until their windshield is damaged. While these glass components are very strong and sturdy, they are far from indestructible. Flying rocks are probably the windshield’s biggest nemesis. If rock hits your windshield in the right way, it can cause a splinter or crack that will eventually spread across the entire surface if the problem is not fixed in a timely manner. If you have windshield damage, it’s time to learn how you can ask your insurance company to pay for your car’s windshield replacement. Before calling the glass company, understand how your insurance works and don’t pay for your windshield replacement out of pocket if it’s not necessary.
When will your insurance company pay to replace your windshield?
When a stone suddenly breaks or cracks your windshield, one of the first things that will cross your mind is “How much is this going to cost me?” In a turbulent economy, consumers are trying to cut costs as much as possible so they can pay their bills and still have money for emergencies. While paying for a car windshield replacement is not the emergency you were planning, it is an emergency.
Replacing your windshield doesn’t have to cost you a small fortune if you have the right type of insurance for your vehicle. Unknown to many, insurance policies have a specific coverage area for glass breakage. This coverage is called comprehensive, and it also covers things like fire, vandalism, and other damage caused by hail and wind. If you have full coverage on your vehicle or even comprehensive coverage, your insurer will cover a vehicle claim to repair or replace your existing windshield.
Do you have to pay anything when you have full coverage?
There will be cases where you will have to pay a small amount out of pocket even when you have full coverage on your vehicle. You should review your policy and see what your comprehensive deductible is. Some policyholders have a deductible of $ 0 and others have a deductible of up to $ 500. If you have chosen a high deductible of $ 500, the replacement of the car windshield will generally cost less and you will pay for the complete replacement out of pocket. If your deductible is $ 50, you will only pay $ 50 for a new windshield that may have cost you $ 300 without coverage.
If you’re concerned about filing a windshield replacement claim on your policy, don’t worry. Insurance companies cannot overcharge you or increase your rates for comprehensive claims. This means that you will never be penalized for the claim. Be sure to call a glass company to file the claim for you so you don’t have to deal with any paperwork. Choose the best windshield products, and then drive with a new, crack and chip free windshield.