Knowing about auto glass replacement and insurance can help you save money
A lot of drivers do not understand whether or not their insurance plan covers auto glass replacement or repair. This can lead to situations where windshields that desperately need to be replaced get left alone, simply because the driver worries about being able to afford the full cost of windshield replacement.
Fortunately, understanding how your insurance policy relates to auto glass replacement is actually pretty simple. Auto glass replacement, whether it is the windshield or any other window in the vehicle, is bundled into comprehensive car insurance.
Comprehensive coverage includes the whole gamut of unplanned things that can happen to a vehicle, including theft, fire, storm damage and more. Read on for some tips on how to get the most out of your insurance plan and replace that damaged windshield as soon as possible.
Auto Glass and Car Insurance Basics
Many people do not really understand how their insurance policy works. If you have comprehensive coverage, the policy works just the same as collision insurance. The deductible is the amount of the claim that the policy holder is responsible for paying. Here is an example. Say the cost of replacing a windshield is $600 and the deductible is $200 dollars. That leaves $400 to be billed to the insurance company, with the policy holder paying $200 to the auto glass repair specialist.
This might seem kind of confusing for some people, but the good news is that at Delta Glass, we have insurance experts who can help walk you through filing your claim.
Know Your Policy
Many insurance companies waive deductibles for windshield repair. So, it’s a good idea to call your insurance company and find out whether or not you are signed up for this helpful option. If you are unclear about whether or not you have comprehensive coverage, your insurance agent can also let you know what level of coverage you are signed up for.
Repairs Before Replacement
One key thing to keep in mind is that many dings, chips and even small cracks can be repaired and are not a reason to replace an entire windshield. However, every chip and ding will eventually turn into a large crack that can compromise the integrity of the entire windshield, so do not wait.
Before making the decision to replace a windshield, bring your car into Delta Glass for an evaluation. Our team also offers excellent windshield repair. Professional auto glass repair can be a better option that total replacement in certain cases, so let us take a look at your glass and provide you with a free estimate! – Click here for a free estimate.