Comprehensive Coverage — subject to a deductible — typically takes care of glass damage, such as a chip in your window or a crack in your windshield.
In certain states, insurance companies offer Full Class Coverage as well. This offers a zero deductible or a much lower deductible to cover the cost of windshield replacement or repair fully.
Lastly, you may be able to have your windshield replacement or repair covered by another person’s insurance if they were at fault for the damage. In these cases, the other person would need to have property damage liability insurance.
Most insurance companies will not raise your premiums for glass damage. If you’re filing glass damage claims every other day, however, this is a different story.
How to Have Your Windshield Repaired
If your vehicle has endured glass damage, contact your insurance company as soon as possible. You’ll need to file a claim. Don’t forget to speak with your agent about what exactly is covered under your individual policy. All auto insurance policies are different.
Most of the time, your insurance agency will know who they want to repair or replace your windshield, sometimes sending a service repair person directly to your home to do the repairs there. If possible, the repair person will simply inject the broken or chipped area with a clear resin after cleaning it. This repair is sturdy and sound. If the damage is too extensive, however, the entire windshield will need to be replaced.
Windshield replacement used to cost around the same amount for all types of vehicles. Today, things are much different, and it’s not uncommon to see sensors that detect precipitation and other forms of technology within an actual windshield itself. Of course, these technologies are helpful when driving, but they can also cause the windshield to cost more to replace.
Moreover, if you own a foreign car, your windshield replacement may also cost extra. Some windshield replacements on foreign cars can cost anywhere from $1200 to $4500.
Protect Your Vehicle From Windshield Damage
It’s not usually the driver’s fault when a crack or chip occurs on their windshield. However, some drivers have bad habits that could promote the possibility of vehicle glass damage. These bad habits include:
- Driving too close to other vehicles.
The top reason for on-the-road glass damage is road debris being disrupted by passing cars and trucks and kicking up into your windshield. This can occur any time, but it is far more likely to happen to you if you tend to tail the car in front of you closely. Keep your distance, and you’ll notice a reduction in rocks and other debris hitting your car.
- Taking dirt roads too fast.
Sometimes, driving on dirt roads in or around the Anton area is simply unavoidable. However, you don’t have to go fast on these roads, and it’s advised that you don’t. The faster you go, the more likely it will be that your tires will kick up a rock (or two or three) that can hit your windows or windshield and damage it.
If you have to take a back dirt road, drive slowly and cautiously. The same goes for when you have to drive on the dirt shoulder of a road.
- Not sheltering your vehicle in bad weather.
Sudden changes in temperature, hail, and other weather phenomena can cause what are called stress cracks in your windshield. Avoid these by always sheltering your car during inclement weather.
Anton Insurance can assist you in filing a glass damage claim or examining your auto insurance policy to learn more about what it covers in terms of glass damage. If you’re looking for a new auto policy, our friendly and highly-trained agents can also help you there.