Car Insurance Cover for Fixing Windshield Damage: All You Should Know

One of the most vulnerable parts of the car is the windscreen. With so many objects that fall on the windscreen, it becomes necessary to have a car coverage that covers the windscreen. Things like flying objects, rocks, hail, debris, and animals can pose a great danger to your windscreen. However, with the right car insurance cover, you won’t worry about these objects. Here is all a car owner should know regarding car insurance coverage for fixing damaged windscreen. Use this information and compare car insurance on Money Expert to get the best policy. 

Comprehensive Coverage

Comprehensive insurance cover takes care of damages not caused by the collision. Also, known as collision coverage, comprehensive take care of theft, vandalism, and fire. Also, things like animal damage and falling objects are covered under a comprehensive car insurance policy. Also, if weather factors damage your car, you can count on this policy to cover you.

Full Glass Based Coverage

Full glass coverage is an optional-add-on based insurance policy that’s offered through different insurance companies. With this coverage, you have a policy that helps you avoid deductibles coming from a glass claim. However, not all states have this coverage. Plus, it’s considered optional. The good thing with this coverage is that you won’t have to pay for deductibles when replacing or repairing your car’s windscreen.

Should You Replace Repair or Replace the Windscreen

After glass damage, you have two options on the table—repair or replace. You can decide to repair the cracked section or replace the whole windshield. Here are a few things you should know regarding these two options.

Repair

With repair, the factory-installed windscreen based seal is left in place. The process of repairing a crack takes about 30-40 minutes. Consider repairing your windshield if the crack is small and isn’t directly in the driver’s seat.

Replacement

On the other hand, replacing means changing the whole windshield and installing a new one. Considered to be more expensive, this option is ideal if the damage is extended and the crack is directly in front of the driver’s seat.

Comprehensive Deductibles

Typically, comprehensive insurance must have deductibles. However, the amount is dependent on the individual insurance company. The figure is fixed when signing up for your cover. In general. When the deductible is lower, the insurance cost is higher. It’s also important to note that there are companies that provide no-deductible policies. Thus, be sure to read the fine print to determine the amount of deductible you will be paying.

Deductibles Charged on Car Glass Claims

In most cases, the insurance company will cover the cost of repairs when it exceeds the amount of deductible. Ask your insurance broker to shed light on deductibles when it comes to repairing your car’s windshield.

The Bottom-Line

The windscreen is one of the most important parts of your car. However, if it gets damaged, your safety will be compromised. Plus, windscreen costs a lot of money when it comes to fixing them. That’s why you need the right insurance policy that covers the windscreen. The above information is all you should know regarding insurance coverage for fixing a car windscreen damage.