Is Windshield Coverage Included in Car Insurance Coverage?

Car insurance coverage is designed to protect your vehicle during serious emergencies. Windshield damage is considered a major emergency. Even a small pebble can cause substantial damage to your windshield. Driving with a cracked windshield is virtually impossible because your vision is severely hindered. There's a high possibility that you may be involved in a collision. Luckily, auto insurance covers your windshield repair and replacement costs in most cases. Here is a closer look. 

• When Car Insurance Coverage Kicks In
  
  Generally, comprehensive auto insurance covers your vehicle in unique situations, such as a cracked or shattered windshield. Comprehensive coverage steps in if your windshield suffers damage due to flying debris, severe weather, or impact with an animal. Collision insurance may cover your windshield damage as well in some cases. Collision insurance steps in if your vehicle hits another one. If the other driver is ruled responsible for the damages, then you have the option to contact their insurance provider so their coverage will take care of any necessary repair or replacement costs. 
  
  
• How to File a Claim If You Have a Broken Windshield
  
  If your windshield sustains damage, it's recommended that you start the claims process immediately. Don't attempt to drive the car and don't have the damages repaired until the claims process is completed. It's important to treat a cracked windshield as an urgent emergency. The crack in your windshield will continue to grow the longer it's left untreated. 
  
  
• Windshield Repair/Replacement Costs
  
  Be aware that replacing a windshield is normally more expensive than repairing a windshield. Windshield repair costs fluctuate according to the amount of glass that needs to be repaired. Other variables that impact windshield repair/replacement costs include your car's make and model and the type of glass previously installed. You will also have to consider your car insurance coverage deductible. Inquire about the projected repair costs. If the projected repair costs are lower than your deductible, it may not be in your best interest to file a claim. It's also recommended that you research the auto insurance requirements in your state. Some states waive policy deductibles for damaged windshields if you have comprehensive coverage. 
  
  
• Potential Exclusions
  
  If your car insurance coverage doesn't cover windshield damage, it is still important to take care of the issue as soon as possible. The majority of states have auto laws in place that prohibit driving with a damaged windshield. You're at risk of harming yourself and others due to the impaired vision. 
  
  If you have minor windshield damage, there is a slight chance that your car would pass an inspection administered by the state. Your car may be still classified as drivable if the chip in your windshield is lower than an inch. However, damaged windshields are considered a safety hazard, regardless of the size.

Consult with Anderson Insurance Affiliates 

If you are looking for tailored car insurance coverage in Texas and Louisiana, contact the team here at Anderson Insurance Affiliates. We can help you find the right policy at affordable rates.

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