Windshields are very basic elements in vehicles. Now only do they block the wind, they also protect you from flying debris and hail. Drivers do not realize the importance of having a windshield until their windshield is damaged. While these glass elements are very strong and strong, they are far from indestructible. Flying rocks are probably the windshield’s biggest nemesis. If the rock strikes your windshield just right, it can cause a chip or a crack that will ultimately spider across the complete surface if the issue is not fixed in a timely manner. If you have windshield damage, it is time to learn how you can ask your insurance company to pay for your auto windshield substitute. Before you call the glass company, understand how your insurance works and do not pay for windshields substitute out-of-pocket if you do not have to.
When Will Your Insurance Company Pay to Replace Your Windshield?
When a rock suddenly breaks or fractures your windshield, one of the first things that will go by your mind is “Just 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 nevertheless have money left over for emergencies. While paying for auto windshield substitute is not the emergency you were planning for, it is an emergency nonetheless.
Replacing your windshield does not have to cost you a small fortune if you have the right kind of insurance on your means. Unknown to many, insurance policies do have a coverage area specifically for glass breakage. This coverage is called comprehensive and it also covers things like fire, vandalism, and other damages caused by hail and wind. If you carry complete coverage on your means or already just comprehensive coverage, your insurer will cover a means claim to repair or replace your existing windshield.
Do You Have to Pay Anything When You Have Comprehensive Coverage?
There will be instances where you do have to pay a small amount out-of-pocket already when you have complete coverage on your means. You need to review your policy and see what your comprehensive deductible is. Some policyholders have a $0 deductible and others have a deductible as high as $500. If you have chosen a high $500 deductible, auto windshield substitute will generally cost less and you will pay for the complete substitute 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 are worried about filing a claim for windshields substitute on your policy, do not fret. Insurance companies cannot surcharge you or raise your rates for comprehensive claims. This method you will never be penalized for the claim. Make sure you call a glass company that will file the claim for you so you do not have to deal with any paperwork. Choose the best windshield products and then excursion off with a new windshield free of fractures and chips.