Windshield damage is a common occurrence that many drivers face. Whether it’s a small chip from a stray rock or a crack caused by extreme weather conditions, windshield damage can compromise your safety on the road.
The question is, will your car insurance cover the cost of repairing or replacing your windshield? In this article, we will explore the different types of coverage and how they relate to windshield damage, and how comprehensive insurance can provide the necessary coverage for windshield repairs.
What is Covered: Understanding the Different Types of Coverage
Car insurance policies typically offer three primary types of coverage, each with different functions regarding windshield damage:
- Liability Coverage: Liability coverage is mandatory in most states and covers damages to other people and their property in accidents where you are at fault. It does not cover damages to your own vehicle, including the windshield.
- Comprehensive Coverage: Comprehensive coverage, also known as “other than collision” coverage, protects against damages to your vehicle caused by incidents other than collisions.
- Collision Coverage: Collision coverage pays for damages to your vehicle resulting from collisions with other objects or vehicles. It generally does not cover windshield damage unless the collision causes other damage to the vehicle.
Repairing vs. Replacing: The Distinction Between Both
When it comes to windshield damage, the extent of the damage determines whether a repair or replacement is necessary. A small chip or crack that is not directly in the driver’s line of sight can often be repaired, while larger cracks or damage affecting the driver’s view may necessitate a complete replacement of the windshield.
Which Insurance Will Cover Repair vs. Replacement?
In many cases, comprehensive insurance will cover windshield repairs, but it may also provide coverage for a full windshield replacement if necessary. However, coverage details may vary by insurance provider and policy, so it’s essential to review your specific policy or consult your insurance agent to understand what is covered.
How Comprehensive Insurance Can Help
Comprehensive insurance can be an invaluable asset when it comes to windshield damage. This coverage typically includes damages caused by non-collision incidents, making it the go-to option for windshield repairs caused by flying debris, fallen rocks, or weather-related factors. Without comprehensive coverage, the cost of repairing or replacing a windshield may fall on you.
Deductibles: How Much Will I Have to Pay
It’s essential to consider the concept of deductibles when assessing insurance coverage for windshield repairs. A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in.
If your comprehensive insurance policy has a deductible of $500 and the cost of windshield repair is $300, you will need to pay the full $300 since it is below your deductible amount. However, if the repair costs $800, you would pay the first $500 (deductible), and the insurance company would cover the remaining $300.
Partner with Bethany Insurance for Auto Insurance
At Bethany Insurance, we understand the importance of having the right coverage to protect you and your vehicle. Our experienced team can guide you through the various insurance options, including comprehensive coverage for windshield repairs.
Contact us today to learn more about our comprehensive insurance policies and how we can help you stay safe on the road. Don’t compromise your safety or your budget; trust Bethany Insurance for reliable coverage and peace of mind.
