Minor Issues Turning Into Major Problems

It happens every day, and it happens to all of us, parking the car too close to a construction site, under a tree or near a major road – out of nowhere your car windows or the windshield suffers damage. Now, there’s a crack or a gaping hole in the car window. Before stepping out for getting the windows repaired or replaced, check if your auto insurance covers damage to car windows.

The first reaction to a crack or chipped car window is to be worried about it and look for ways to repair the damage. Eventually, after a few days, the driver starts to ignore the problem temporarily promising himself to take care of it later.

If left unrepaired, the tiny crack will continue to spread leading to a smashed car window. A small hit from debris or tiny pebble could be enough to cause severe damage to the driver and the passengers. Instead of ignoring the issue look for ways to repair the damaged car windows.

What does Auto Insurance Cover?

Depending on your auto insurance policy, if the plan provides comprehensive coverage related to any type of damage to the car then there’s a big chance that the auto insurance covers a cracked window. Before going for a claim for the car window repairs, it’s essential to compare the cost of the repair with the overall deductible size.

Amount of Deductible and the Repair Cost

If the deductible exceeds the cost of car window repair, then the better option here is to file the insurance claim for repairs. In many scenarios, the insurance companies do not charge an increased premium for repairing damaged car windows. Then there are other types of insurance policies, recommending a glass replacement without additional payments of a deductible. In this case, the coverage will cost more, but the deductible helps in saving money.

Be Watchful of the Premium Charges

The policy and its application on damage type vary according to the laws in different states. A claim for repairing the glass damage not caused by a collision does not result in an increase in your car insurance rates. The premium will go to the car insurance records. The more claims on the record could increase the risks. Moreover, it could cause a hike in your auto insurance renewal rates.

Submitting your Insurance Claim

When the deductible payable on the auto insurance is reduced sufficiently to effectively warrant filing an auto insurance claim for a glass repair claim, then it’s essential to file the claim for repairs as quickly as possible. The reduction in the deductible payable rates depends on the policy of the insurance company.

To submit the claim for auto glass repair, the owner of the car must contact the insurance company by phone or by personally walking into their office. The insurance company representative will provide information about making a claim for auto repair.

Depending on the policy, the representative will give details on the repair type for your particular policy for what type of auto insurance covers damage to car windows. Providing the name, policy number, registered phone number and date of damage will assist in submission of an insurance claim.