Is a Broken Windshield Covered Under my Auto Policy Deductible?

19 Mar 2015 GreatSite

Unfortunately, a broken or shattered windshield is not just a nuisance, it is also detrimental to the overall driving practices of the individual operating the vehicle since the glass through which the individual would otherwise be looking is damaged. This can make it more difficult for the person to drive, if not impossible. A broken windshield can be caused by a bird flying into the window, a rock or other piece of debris flying into the glass or from a car accident. Since some of these instances seem covered and others may not, many people are left with the troubling question of whether or not their specific broken windshield is covered under their auto insurance policy and their deductible. In general, this will vary from person to person depending on their individual insurance company and the amount of their deductibles. However, there are some specifics to look for in such an event.

If you were in a car accident that was not your fault and the windshield was damaged, the windshield will be covered by the insurance of the other person. There would be no need for the money to come out of your auto policy deductible if the crash was not your fault. Unfortunately, if the other driver does not have insurance the cost of repairs may need to come out of your deductible, if that is possible. While the United States requires that individuals have insurance on their vehicles before they are driven on the road, many people will ignore this law, which unfortunately has happened with almost any other law that has been put into place in this country. Sometimes there are people who just do not want to follow the law. However, if your damaged glass needs repairs and retouching, contact an auto tint company in San Antonio, TX.

In general, regardless of the situation being the individual’s fault or not, windshield damage will be covered by your auto policy if you have full coverage. Full coverage means that the individual has liability and comprehensive auto insurance. This also means that insurance coverage will pay for problems whether the situation resulting in the broken windshield is your fault or not. If a person has just liability insurance, this is when the insurance company will only pay for the damages caused by the insured person’s vehicle on the property that the driver damaged that is not their own, individual vehicle. Only with full coverage can an individual get this type of problem coverage.

However, the amount of a person’s deductible will also play a factor into whether or not the person will need to pay out of pocket for the repair of a windshield. When a person gets an auto insurance policy, they determine their deductible. For most companies, these options include $250, $500, $750 and $1000 deductibles. Higher deductibles typically mean lower monthly payments, and this is left up to the individual. In most cases, the cost of replacing a windshield will be more than most of the deductibles, save potentially the $1000 deductible. When the deductible is lower than the overall cost of the windshield’s replacement or repair, the insurance policy will cover the cost of any amount in excess of the deductible.

Now, what happened was your windshield received a huge stone. The huge stone somehow managed to find itself through the windshield and leaving a hole behind. So what do you do? Do you simply replace the windshield or can you just have it repaired?

The answer to this question is “It depends” and that is according to automobile experts. Just like any other damages like scratches on the paint or on the exterior of your vehicle, if the damage is too huge, then maybe it is time to replace your windshield. On the other hand, the decision on whether the windshield should be replaced or repaired also depends on other things like the size, the location, and the severity of the damage. You see, most shops that offer windshield repair actually accept cases where the damage range from around chips that are around a quarter in size or cracks that could measure some three inches long.

However, beyond that, replacement would be the answer. Of course, you are very well aware that the repair for a windshield could get quite costly. A chip from a rock could cost you around $40 to $50 dollars. That is for just one chip. Now think if there any additional chips. That means you would have to shed an extra $10 for each additional one. As per repairing cracks, the principle and the price is still the same. Now the next question is where do you actually have your windshield replaced or repaired?

You can check out the Internet for places or shops that offer such services and other services like glass tinting. However, make sure any tints done to your car are  performed by an auto tint company in San Antonio, TX. On the other hand, you can also go to an automotive glass specialist for they actually specialize in repair or replacement of automotive glass. You can also try out your luck at a windshield repair facility where they do give their best in fixing chips and cracks in your windshield. Car dealers also offer services like windshield replacements.

The good thing with dealers is that once you do purchase a windshield from them, you are very most certain that it is an original one and is made from quality material. You can also shop for discount car parts and accessories from Auto Parts Go’s online performance or OEM replacement auto parts catalog. In stock are thousands of items that range from specific parts like Toyota parts to any other part for various vehicle models and makes.