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Understanding Car Glass Insurance

by | Nov 1, 2022 | Windshield Repair & Replacement

While looking to getting your windshield repaired or replaced, it’s important to know if your insurance covers windshield damage. To understand if you have car glass insurance, the circumstance and type of insurance selected will determine if you have coverage. It’s important to understand the difference between comprehensive coverage and collision coverage through this process.

 

Comprehensive Coverage

Comprehensive coverage is any kind of damage not caused by another vehicle, such as rock chips, breaking/cracking due to theft and hail damage. Comprehensive coverage will cover replacement and repair costs that are related to those types of damages.

While looking to getting your windshield repaired or replaced, it’s important to know if your insurance covers windshield damage. To understand if you have car glass insurance, the circumstance and type of insurance selected will determine if you have coverage. It’s important to understand the difference between comprehensive coverage and collision coverage through this process.  

Comprehensive Coverage

Comprehensive coverage is any kind of damage not caused by another vehicle, such as rock chips, breaking/cracking due to theft and hail damage. Comprehensive coverage will cover replacement and repair costs that are related to those types of damages.

Collision Coverage

Collision coverage is any kind of damage caused by a collision with another vehicle or if the damage was caused by crashing into a stationary object, like a tree or a light pole. Collision coverage will cover replacement and repair costs that are related to those types of damages.  

Your Insurance May Not Matter

You may not have to worry about the type of insurance you have for your vehicle. If the other driver was the one at fault for the accident and caused the damage, then they could be responsible for the damages.  

Should Insurance Be Utilized For Windshield Damagage?

Some clients choose to use insurance, others don’t and of course it depends on your deductible and amount of damage to the vehicle. The price you pay for the deductible is a predetermined amount within your policy. The deductible can vary greatly from $0 to $2,500. If you have a deductible higher than the cost of the auto glass damage, it probably won’t make sense to process a claim unless there are additional damages to your vehicle that produce a higher number to repair the damage in relation to your deductible. If you decide to pursue the claim, there should be a very little impact, if at all, on your auto insurance rates.  

Helping You From Claim To Fulfillment

Auto Glass Discounters works with all insurance companies and it’s a very easy process for us to fulfill your car glass insurance claim. The first step is for you to call your insurance company and inform them that Auto Glass Discounters will do the replacement or repair. We will charge you the deductible if there is one, and bill the insurance company for the remaining amount. For questions on if your insurance covers the windshield damage, don’t hesitate in reaching us at (865) 800-8660 to answer all your questions. We will provide you with a free quote for your auto glass repair or auto glass replacement and get you back on the road fast!