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Posted on July 9, 2015
by matt

Car Windshield Damage Should I file a claim?

It’s happened to many of us, you are just driving along enjoying the open road and BAM the sound that resembles a gunshot puts you into shock. Yep, your window has been struck by some unidentified flying object. Now what?
Windshield Repair or Replacement

Comprehensive coverage policies are the types that would cover windshield cracks or breakage. In the case of a broken windshield or one that is extremely damaged, your policy deductible would generally apply. However, there are a few things to keep in mind that when dealing with windshield damage. First, many car insurance companies often have a separate piece of the policy that defines coverage for glass breakage. This special coverage may allow for a lesser deductible owed on windshield replacement. Second, if the damage is minimal (smaller than a dollar bill is a good rule of thumb) like a chip, nick, or small crack, you may be able to have it repaired at no cost. Third, if you have a high deductible without specific glass coverage, you may want to bypass your insurance company and pay for replacement out of pocket. This can save money now on the repair and in the future by avoiding filed claims on your insurance policy. A Last, many auto glass companies run specials to waive or reduce required deductibles if you use their services, or may offer some other type of financial incentive.

In general with car insurance you should expect to pay some kind of deductible for windshield repair or replacement, but your mileage may vary. Talk to your insurance agent about glass repair coverage, fix small cracks and chips quickly before they spread and require replacement, and do your homework when choosing an auto glass company to help you save on costs.

Deductibles

Any time a damage or accident claim is filed against your car insurance, you must pay a deductible. A deductible is a payment level that must be met before the insurance picks up the rest of the claim cost. Common car insurance deductible levels might be $250, $500, or $1,000 per incident. A person with a $250 deductible would have to pay $250 towards repairs if damage exceeds that amount. Choosing a lower deductible may increase your annual premium, but would result in a lower out-of-pocket expense to repair or replace any vehicles involved.

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