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With the cost of auto glass repair and replacement on the rise, many drivers are wondering if their insurance will cover the cost. The answer to this question is not always simple, as it depends on a number of factors. In this article, we’ll take a look at what windshield replacement insurance coverage is available and how it works.
First, it’s important to understand that there are two types of car insurance: collision and comprehensive. Collision coverage covers damage to your vehicle from an accident, while comprehensive coverage pays for non-accident-related damages such as weather damage, theft, or vandalism.
If you have collision coverage, your insurer will likely pay for all or most of the cost of replacing your windshield. However, if you only have comprehensive coverage, you may be responsible for paying a deductible before your insurance company will reimburse you for the cost of repairs. The amount of your deductible is set by your insurance policy and can range from $100 to $1,000.
In some cases, your insurance company may waive the deductible if you use an approved glass repair shop. Be sure to check with your insurer to see if this is an option. You can also ask about getting comprehensive coverage if you don’t already have it. This type of coverage is typically very affordable and can save you money in the long run if your vehicle is damaged in a non-accident event.
What if I Don’t Have Insurance?
If you don’t have insurance, you will be responsible for the entire cost of repairs or replacement. For this reason, it’s important to have at least some form of auto insurance. If you’re caught driving without insurance, you may face penalties such as a fine, license suspension, or even jail time.
The best way to avoid having to pay for windshield replacement out of your own pocket is to get comprehensive coverage from a reputable insurance company. This type of coverage is relatively affordable and can save you a lot of money in the long run. Be sure to shop around for the best rates and coverage options before buying a policy.
What if The Person Who Hit Me Doesn’t Have Insurance?
If you’re involved in an accident with a driver who doesn’t have insurance, you may be able to file a claim with your own insurance company. This is known as uninsured motorist coverage. Uninsured motorist coverage is typically included in comprehensive and collision policies.
If you have this type of coverage, your insurance company will pay for the cost of repairs or replacement up to the limit set by your policy. In some cases, your insurer may even offer to pay for a rental car while your vehicle is being repaired.
Keep in mind that if you file a claim with your own insurance company, your rates may go up. For this reason, it’s often best to try to reach a settlement with the other driver. If you can’t come to an agreement, you may need to file a lawsuit.
Never Drive With a Damaged Windshield
It’s important to always get your windshield repaired or replaced as soon as possible after it’s damaged. Driving with a cracked or chipped windshield is not only illegal in most states, but it’s also very dangerous. A small crack can easily turn into a large one if you hit a bump in the road, and a large crack can cause the glass to shatter. This can lead to serious injuries or even death.
If you can’t afford to pay for repairs or replacement out of pocket, be sure to talk to your insurance company about coverage options. You may be able to get comprehensive coverage that will pay for all or most of the cost. In any case, never drive with a damaged windshield. It’s not worth the risk.
Never Attempt DIY Windshield Repairs in Place of Replacement
There are many DIY windshield repair kits available for purchase online or at your local auto parts store. While these kits can be tempting, they’re not a good idea. The repairs made with these kits are usually only temporary and can actually make the damage worse. If you attempt to repair your windshield yourself, you could end up paying more for replacement in the long run.
It’s always best to leave windshield repairs to the professionals. A professional glass repair shop will have the tools and experience needed to do the job right. They’ll also be able to offer a warranty on their work, which is something you won’t get with a DIY kit.
If your windshield is damaged, call a professional glass repair shop as soon as possible. Don’t attempt to repair the damage yourself, and never drive with a damaged windshield. Doing so could result in serious injuries or even death.
Your windshield is an important part of your vehicle, and it’s important to keep it in good condition. If it’s damaged, be sure to get it repaired or replaced as soon as possible. And always remember to never drive with a damaged windshield. It’s simply not worth the risk.
If you have any questions about windshield replacement or insurance, be sure to speak with your agent. They’ll be able to help you understand your coverage options and make sure you’re getting the best possible rates.