How to Determine if Your Coverage Will Cover the Costs
Car insurance is not universal. In order to determine whether or not you have windshield insurance coverage, you need to check the details of your policy. No two policies are the same, and as such, it is impossible to give a blanket answer to this dilemma. What is possible, however, is a breakdown of what types of insurance will give you a windshield replacement detectable.
Think back to when you bought your car insurance policy. Of course, you didn’t know all of the minute differences between the options. But there were three on the table. These are: liability, collision, and comprehensive. Now, if you are financing your vehicle, liability was probably a mandatory part of the purchase process. So, are you eligible for car insurance windshield replacement coverage?
What Policies Give You Windshield Replacement Covered by Insurance?
Collision will not cover the costs. These policies will usually only cover serious damage or destruction done to your vehicle after, as the name implies, a collision. This is not limited to an auto accident. However they are the most common types of collisions. The policy will also cover your car taking damage after an accident involving a wall, bridge, body of water, or some other foreign object.
Liability will most likely not give you auto glass insurance coverage, either. The difference between collision and liability is the first is tied only to damage done to your vehicle. Liability, on the other hand, also involves bodily injury and damage done to property after an auto accident. This includes hospital bills and other types of necessary care. Rehabilitation, lost or damaged personal items, and even payoffs for personal suffering related to the accident. Liability can also cover funeral costs, in the event that an individual passed away after the accident. All of these are items are selectable at the time of choosing your policy with the insurance broker.
Comprehensive Auto Insurance
When you hear the name of this insurance type, you may get the impression that comprehensive coverage will cover every little thing associated with your vehicle’s problems, care, and accident repair. Although comprehensive auto insurance will cover much more than the two above mentioned policies, there are important distinctions that any purchaser must know.
The difference between comprehensive insurance and the others is that this type will cover most costs associated with non-collision related incidents. These include, but are not limited to: theft, vandalism, damage caused from natural disasters, fire damage, animal damage, or the damage or destruction of your vehicle in the event of rioting or other civil disturbances.
Comprehensive Means Auto Glass Insurance Coverage
If you’re looking for an insurance policy that covers windshield damage and the costs of repair and replacement, then comprehensive is your only choice. But, again, just as not all insurance types are the same, not every comprehensive insurance policy has the same delectables and coverages.
Be sure of the type of policy you take out. When sitting with your insurance agent, lay out the conditions you are seeking. If windshield damage is a major concern, then be sure your agent knows this going in. Otherwise, you may be in for a surprise when you’re stuck with the bill of repair or replacement.
Glass damage is generally a separate piece of the policy items. However, it would cover all the windows in your car, not only the windshield. But beyond knowing the specific terms of the insurance company, look for the right windshield repair shop. Many repairmen will repair smaller damage at not cost to you. But more importantly, many shops will offer a financial incentive for having your windshield repaired alongside your deductible. It’s possible you can have the fee waived completely, if you shop around and know what coverage you have going in.