Windshield Cracks

Does Your Insurance Cover a Cracked Windshield?

May 15, 2020
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Windshield damage has become more commonplace than ever. A damaged windshield may seem like a minor inconvenience, but in reality, it can be a disaster in the making. Driving around with a damaged windshield is jeopardy of your life and the life of those around you. So, be it a minor chip or a deep crack, take immediate action to restore your windshield to its pristine state.

A simple repair job can easily mend minor damages, but damages like a crack in your windshield require a windshield replacement. If the added expense of the windshield repair or replacement is stopping you from getting professional help, then your car insurance can come in handy.

Comprehensive Car insurance for a Damaged Windshield

Your car windshield can get damaged due to several outside elements. Heavy objects like tree branches or construction debris falling on your windshield can easily leave it chipped or cracked, sometimes even causing it to shatter. One of the most common causes behind windshield damage is a flying rock or stone hitting the windshield glass. Forced intrusion by thieves or burglars can also lead to your car windshield being damaged. If your windshield has been damaged and you are worried about whether your car insurance policy can cover the damages or not, then you are in luck, because the answer is ‘yes’. However, this holds true only when you have a comprehensive car insurance policy.

The comprehensive insurance coverage policy can cover damage that is caused to you, your vehicle, and its various components. Comprehensive insurance offers complete coverage against the damages to your car due to an accident or mishap. It includes coverage for damage caused by flying pebbles, debris, and stones while driving. This insurance policy also covers damage caused by natural calamities such as hailstorm, floods, etc. as well as damages that are caused by fire, explosion, strikes, burglary, riots, vandalism, etc. From a flying rock to natural disasters, no matter what the reason, comprehensive insurance coverage can easily help you pay for the repair or replacement of your windshield. Simply put, a comprehensive car insurance policy is a complete car protection insurance policy.

You can never be too cautious with the windshield of your car, which is why it’s best to purchase a comprehensive insurance plan.

Evaluate the Deductibles

A deductible is an amount that you pay from your pocket to get your windshield fixed before your insurance company steps up and covers the rest. Always compare the cost of windshield repair or replacement with the deductible amount. If the deductible amount exceeds the estimated cost of windshield repair, then it is not worthwhile to make a claim. Instead, it would be much more profitable to pay for the repair work from your own pocket. However, some insurance companies might offer windshield repair without charging any deductibles. Therefore, before filing an insurance claim, always make sure to consult your policy experts so that you can get the best deal.

Will the Insurance Claim Affect Your Premium?

It is crucial to consider the effect of the claim on your insurance premium. Mostly, a windshield insurance claim would have little to no impact on your insurance premium. Even though most insurance companies don’t raise the premium after damage claims, it is advised that you confirm it with your insurance company.

Will Your Insurance Claim be Accepted?

The cost to get your car windshield repaired, more so for a replacement can be quite heavy on the pocket. This is why, before deciding on your windshield repair or replacement service provider, always check whether they have a tie-up with your insurance provider or not. Some windshield service providers only have tie-ups with a few insurance providers. These companies won’t be able to offer you quality windshield solutions at an affordable price.

On the other hand, some windshield service providers have tie-ups with all the major insurance companies operating in India. This allows them to provide a hassle-free claim procedure for your windshield repair or replacement. You can get your car windshield repaired or replaced within your budget, which would otherwise break the bank had you chosen a service provider that has no tie-up with your insurance company.

Looking for experts that can repair or replace your car’s windshield on a budget? Then, get in touch with AIS Windshield Experts! We are the leading auto glass repair and replacement network in the country, and as such offer windshield services that are ‘faster, safer, and better.’ As a subsidiary of India’s leading integrated glass manufacturer – Asahi India Glass Limited – we house 100% genuine OEM-grade windshields. Moreover, our well-trained experts use top-of-the-line equipment and follow international-safety standards, be it a windshield repair or replacement. We offer a one-year warranty on the materials used and our workmanship for your convenience.

And what’s more is that we have insurance tie-ups with all major insurance companies across the country. So, you will have no problems getting your claim settled in a hassle-free manner.

Call us on 1800 102 6364 to get your windshield fixed at your doorstep. Get in touch with us today!

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