Car Insurance Coverage for Windscreen Damage

Car Insurance Coverage for Windscreen Damage

Comprehensive coverage in your auto insurance covers auto glass repair. So, if your car insurance has the needed coverage, it may cover the cost of the repair or replacement of your car’s damaged windshield.

Essential Steps to Take If You Have a Broken Windshield

The first step you must take is to inform your insurance provider and file a claim. Then, assess the damage. If the crack is small and not obstructing your view of the road, you can have it repaired and avoid a costly replacement. If the crack is significant or you can’t easily see through it, your best bet is to replace it.

Then, find a reputable auto glass repair shop. The technician inspecting the windshield will determine the best course of action. It’s important to note that the repair or replacement needs to be done by a certified technician who uses OEM (original equipment manufacturer) glass. This is important to ensure your windshield is installed correctly and meets all safety standards. Get an estimate for the repair or replacement costs.

If you have comprehensive coverage, you can use it to cover the cost of the repair or replacement. However, you should check with your insurance company to ensure it’s covered.

If you don’t have comprehensive coverage, or your insurance company won’t cover the cost, you’ll need to pay for it out of pocket. However, if the damage to the windshield is caused by an accident, your repair or replacement cost can be covered by collision coverage. If another person is at fault for the accident, you may also opt to file against the insurance of the at-fault driver to cover your windscreen expenses.

Cost Incurred to Fix a Broken Windshield

The cost of windshield repair is less than the replacement cost. However, the cost you may incur to fix the damage depends on a few factors.

  • The vehicle’s make and model
  • Type of glass
  • Type of damage to the windshield
  • Your location

The best way to get an accurate estimate is to contact an auto glass repair shop and have them inspect the windshield.

When Should I File an Insurance Claim to Replace My Windshield?

Whether or not you should use your car insurance to replace your windshield depends on the extent of damage and its replacement costs. If only the estimated cost is higher than your deductible, it’s worth filing a claim.

If you’ve found yourself with a broken windshield, don’t panic. There are steps you can take to get it fixed or replaced. Contact your insurance provider and assess the damage to determine the best action. In most cases, having comprehension coverage for damage due to non-collision factors and collision coverage for damage to the windscreen in an accident may help you get compensation for your loss from your insurer.

Get Extensive Protection with SteveWilk Insurance!

For more information on the types of auto insurance coverages that can offer maximum protection to you and your vehicle, contact our team at SteveWilk Insurance Agency Inc today. We understand the importance of having a car insurance policy that covers your unique needs at affordable prices.