If you’re driving on the highway and a rock or other debris hits your windshield, it can leave a nasty crack or chip. The good news is that your car insurance may cover the cost of windshield replacement. However, the specifics of your coverage may vary depending on your policy and the type of damage.
Does Car Insurance Cover Windshield Damage?
Most comprehensive car insurance policies cover windshield damage, but it’s important to check your policy to confirm. Comprehensive coverage typically covers damage from weather events, theft, vandalism, and other non-collision incidents, including windshield damage. If you only have liability coverage, which is the minimum required by law in most states, your policy likely will not cover windshield damage.
How to File a Claim for Windshield Damage?
If you have comprehensive coverage and your windshield is damaged, the first step is to file a claim with your insurance company. You’ll need to provide information about the damage, including the cause and location of the damage, and any relevant photos or videos. Your insurance company will send an adjuster to assess the damage and determine the cost of repair or replacement.
If the cost of repair or replacement is less than your deductible, you’ll need to pay for the repairs yourself. If the cost is more than your deductible, your insurance company will cover the difference. In some cases, your insurance company may recommend a preferred repair shop, but you can choose any repair shop you prefer.
What If I Do Not Have Comprehensive Coverage?
If you don’t have comprehensive coverage, you’ll need to pay for windshield repair or replacement out of pocket. Depending on the extent of the damage, this can be expensive. However, some auto glass repair shops offer financing or payment plans to help cover the cost.
It’s important to note that if you have a loan or lease on your car, your lender or leasing company may require you to have comprehensive coverage as part of your agreement. If you don’t have comprehensive coverage and your lender or leasing company requires it, you could be in violation of your agreement and may face penalties.
Conclusion
If you have comprehensive coverage, your car insurance may cover the cost of windshield replacement. However, if you don’t have comprehensive coverage, you’ll need to pay for the repairs yourself. It’s important to review your policy and understand your coverage before you need to file a claim. If you have any questions about your coverage or need help filing a claim, contact your insurance company or your insurance agent.
Cover Your Car Against Varied Risks with Duane Weber Insurance
If you’re looking for comprehensive car insurance coverage or have questions about your existing policy, contact Duane Weber Insurance. Our team of experienced agents can help you find the right coverage for your needs and budget. Contact us today to get started!