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Understand Your Windshield Insurance Coverage

November 29, 2021 2:01 pm Published by

It isn’t something most people think about until it happens out of nowhere, BAM! A rock hits your windshield, and suddenly you’re left with a glaring crack or pierce in your once clean windshield. Here at Speers Auto Glass, we can help you out, providing windshield repair for as low as $40 and having most of the stock auto glass we can save you from any sudden windshield emergency.

What to do about sudden damage?

Past the addition of a new annoying dent or scratch, many people would look past it if it wasn’t in their direct field of vision, possibly on the passengers’ side or off in a corner. This is a reckless mistake because while it doesn’t directly impede your vision once the windshield is compromised for the first time, it’s more likely to sustain worse damage in the future, and that will comprise not only the windshields functionality but also the structure of your car.

Another reason to get it taken care of quickly is that the damage could be so minimal that a repair could barely cost you anything. If you keep waiting, then, as the injuries increase, the price will follow.

What can my insurance do?

This type of damages is covered under comprehensive coverage plans, with a small deductible payment from you. If you have full glass coverage, then you may not have to pay a deductible at all. It’s a good idea to have this information and know for sure; consider calling your insurance agent or checking your declaration page to make sure you know where you stand with your coverage.

Depending on the damage you have, you might want to file for a windshield insurance claim. The more damage you have, the more worthwhile it would be. If it’s more likely, you will need a full replacement as opposed to a tiny repair. If you don’t need support from your insurance company, it could make sense to avoid filing a claim to avoid the time and effort in filing it. Also, this keeps your claims record much cleaner.

What could be covered?

Damage can happen in a lot of various situations, and some are much more likely covered than others. If it is something entirely out of your control, like a rock smacking against it while driving, then coverage is much more likely to be covered than damage from a negligent act.

Pitting is more likely covered than not. Pitting is the natural wear and tear as time goes by. Small debris like sand and dust don’t seem like they’ll do much, but going at high speeds increases their little damage, and over the years, it builds up, creating small craters and dents that can compromise your vision by distorting the light coming through the glass. Chips are also covered in most comprehensive plans, and some insurers may even wave the deductible fee if you are repairing for a preventative measure against cracking.

Would a claim affect my insurance rates?

Typically a windshield replacement won’t have any impact on your insurance rates. But claims are iffier. It can heavily depend on who you are with and their stance. Usually, if you have multiple past claims, a new one could affect your standing. The more claims you have and within a more petite time frame, the more your insurance rates will be affected. Having a small share once every 4-6 years is wonderful and won’t do much, but multiple claims during a year will increase the chances. So depending on your current standing, record, and the severity of the damage, you might choose to avoid filing a claim to keep your claims record clean.

Thinking you might need a repair?

Don’t worry about the price. Here at Speers Auto Glass we have reasonable prices for both repair and replacement. With repairs starting at just $40, paying full or a deductible has never been so easy on your wallet! Our professional team provides fast, same-day service and can work directly with your insurance company, so you never have to worry about sudden windshield damage again.

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This post was written by Speers Auto Glass Staff

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