Most of us never think about our auto glass insurance until we notice a chip or crack in our windshield. Drivers need to be informed about insurance so that when the time comes to repair or replace their windshield, they are knowledgeable of their coverage and benefits.
Your windshield is one of the most important safety features on your vehicle. When it becomes cracked or chipped, it is crucial that you visit a reputable auto glass repair professional to have it replaced or repaired. One reason that people may put off having their windshield repaired is the cost. Many drivers are unsure if their insurance coverage includes auto glass and others are afraid that their premiums will increase if they contact their insurance company.
Drivers with comprehensive auto insurance are typically covered for damage that may occur to their vehicle. This coverage includes falling debris, rocks, hail, or other damages to your windshield and other glass. With comprehensive insurance, you may end up paying very little to replace a window or windshield. In some cases, a new windshield may cost the driver nothing at all. Motorists with only liability and collision insurance will not be covered for auto glass damage.
Many drivers with comprehensive insurance are hesitant to contact their insurance company about a cracked or chipped windshield because they are concerned that their premiums will increase. Typically, your insurance rates will not increase because of an auto glass claim. Be sure to check with your insurance agent to determine what types of glass repair and replacement are covered under your particular policy.
Anyone who has had deal with an insurance company after a collision or accident knows that the process can be time consuming. This is why many motorists often forgo dealing with their insurance company for auto glass damage. Typically, insurance companies do not require that an insurance adjuster inspect your vehicle for a windshield repair or replacement. In fact, many auto glass shops can take care of processing your claims and submitting necessary paperwork to your insurance company.
You have the right to choose which auto glass shop you want to work with. Your insurance company may have a preferred glass shop that will try to steer you toward but you have no obligation to use them. Keep in mind that you get what you pay for. Using a low cost glass shop that provides sub-standard products and installation will not give you the results you desire. While your insurance company may choose what glass it will pay to have replaced, you have the option of paying the difference between what is covered by the insurance and what you would like installed.
When choosing an auto glass repair or replacement shop, you want to make sure that they are experienced and skilled. Your replacement windshield should be a factory-quality product and installed with the care and precision you expect form a top-tier shop. Be sure to choose a quality installer who offers a warranty on workmanship and product defects for as long as you own your vehicle.
Your vehicle's windshield and glass should be well maintained and in top condition at all times. If you are in need of repairs, contact your insurance company first to determine what kind of coverage you are eligible for.
