The windshield of your automobile can crack or break for a variety of reasons. This can happen when there is an accident, but it can also occur when there isn’t. It could be struck by a falling tree branch or a heavy object from a great height, which could happen near building sites or during a natural disaster. Damaged windshields can make driving incredibly difficult, and the price of replacing them can be pretty significant. Most of us have auto insurance, but you might be wondering if it covers this type of damage. We will go over everything in-depth here.
Is your insurance going to cover your windshield damage?
Only Comprehensive Car Insurance will cover the price of windshield damage if you have Comprehensive Car Insurance. If damage is caused by someone else’s vehicle colliding with yours, their third-party automobile insurance will cover the costs.
If your windshield is chipped, cracked, or shattered, the company will reimburse for the cost of repairing or replacing it. However, keep in mind that not all types of windshield damage are covered by insurance; you’ll need to verify the specifics of your policy to deal with your individual issue. Your insurance may cover the entire sum or only a portion of it, depending on the terms and circumstances. One of the cashless garages is the finest spot to get the repair done.
What you should be aware of in terms of insurance coverage?
You will be insured for a variety of things if you have comprehensive automobile insurance. Damages from an accident, fire, natural calamity, or any external obligations are all possibilities. In any case, you have the right to file a claim if the windshield has been broken due to any mishap.
Windshield damage is covered under comprehensive insurance in situations like these.
- Trees falling against the glass
- Coconuts or other heavy objects falling from the sky
- Debris and stones slamming at the windshield
- An animal or bird collision
- Natural disasters such as thunderstorms, flooding, earthquakes, and hailstorms
If the car is vandalized, an FIR at the police station must first be filed soon, after which the claim can be handled. You may now quickly get auto insurance and file a claim through the internet.
The glass is completely covered.
Full glass coverage is an optional insurance add-on that may be available through your insurance company. You won’t have to pay a deductible if you have a glass claim with this policy. It’s not available in all states, and because it’s optional, you might not have it. It could also go by another name.
If you choose complete glass coverage, you won’t even have to pay a deductible for fixing or replacing your windshield. Your claim will be fully covered.
What is the procedure for filing a claim for windshield damage?
If your windshield is damaged due to vandalism or an accident, contact the authorities and submit a police report. This is something you’ll have to show your insurer. Inform your insurance company about the damage and how, when, and why it occurred. In this case, having images or videos can be beneficial. Once your auto insurance company has given you the go-ahead, you can take it to a cashless garage to have the existing screen repaired or replaced. On this front, the mechanic and professionals will be able to assist you. If you prefer a different repair shop, you can do so by submitting a bill to your insurance carrier, which will reimburse you for the money spent.
When should you not file a claim for windshield damage?
If the anticipated cost of windshield repair is less than the deductible, claiming insurance coverage is pointless. Because your insurance company will not pay you any money.
Final Thoughts:
In general, if you have comprehensive auto insurance, the costs of repairing or replacing a windshield if it has been damaged will be covered in most circumstances. It will not, however, if you simply have the obligatory third-party insurance. It is critical to get auto insurance in such cases of damage. By comparing auto insurance companies, and quotations and calculating your estimated premium online, you can be sure to get the best one for you.