Did you know that your car insurance may cover a cracked windshield? Storms, road debris and accidents can all damage your windshield, but you don’t always have to pay to fix it. Consider how you can get your car insurance to cover the cost of repair without raising your rates.
Get Comprehensive Coverage
Comprehensive insurance coverage is not legally required like liability coverage is, but comprehensive coverage will likely pay for your windshield damage. Check with your insurance agent about the costs of adding comprehensive insurance to your policy and all the benefits of doing so.
Understand Your Costs
Typically, insurance policies require you to pay a deductible before fixing something on your car. Fortunately, insurance companies usually handle chipped and cracked windshields differently. Insurers understand that broken windshields can easily happen through no fault of your own, so insurance companies will allow you to fix the damage via a certified auto body repair Denver CO shop without passing the cost to you. When you set up your policy, ask your insurance agent if they offer no-deductible glass repair options. Ask detailed questions to better understand what your policy will cover. For example, some policies will pay for repairing only the side windows, not the windshield.
File a Claim
As soon as you see a crack or chip in your windshield, contact your insurance company to file a claim. Leaving the issue unchecked may cause the damage to grow over time, and it’s unsafe to drive with a windshield that is not structurally sound. In most cases, filing a claim against your insurance for glass repair will not cause your rates to increase.
When you take your car to an automotive oil change specialty shop, the mechanics will typically inspect your windshield and file a claim through your insurance company on your behalf if they find a chip or crack.