Cashless Insurance, Cracked Windshield

Windshield Damage & Car Insurance Policy

June 13, 2018
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A broken windshield can be a nuisance for anyone. You might have parked your car near a sporting arena, a construction site or an aging tree only to find it chipped or cracked one day. Chips and cracks on your windshield mean added expenses that require your attention at the earliest. A Chevrolet, Honda or a Skoda windshield replacement is mandatory, or you can be fined for driving with a broken windshield.

When it comes to insurance covering the expense, the cause of the crack or the chip will determine whether you will get a partial or full reimbursement or none at all. Vandalism, damage due to weather etc. are usually covered under a comprehensive car insurance policy. You should consult your car insurance policy before getting the replacement.

Car Insurance for Windshield Damage

Damage due to accident

The fault of the driver is determined post the accident to decide the amount of the reimbursement. If the windshield of the third-party’s vehicle is damaged in the accident due to your fault, a third-party liability insurance will cover the damages. If, however, you buy a comprehensive car insurance policy, damages to your car along with the damage to the vehicle of the third-party will be covered.

Similarly, if you are involved in an accident caused due to the fault of another person on the road, his/her third-party insurance policy will cover the replacement of your car’s windshield. Although, if the person responsible for the accident does not have a third-party insurance, your comprehensive insurance plan will cover the damages. Here’s what you should know about availing car insurance policy for windshield damage:

Non-collision factors

Apart from collisions on the road, a number of factors can damage the windshield. Forced intrusion by robbers or burglars can also mean auto glass damage. Moreover, while driving on the road, a flying rock or pebble may chip or crack the windshield. In some rare cases, the windshield may completely shatter due to a heavy element falling on it. You can never be too careful which is why you ought to get a comprehensive insurance plan.

Evaluate the deductible

You ought to consult the policy experts before filing a claim just to get the best deal. Compare the deductible amount with the cost of windshield crack repair or replacement. It is a sensible decision to pay for the repair work from your own pocket if the deductible amount exceeds that of the repair job. On the other hand, some insurance companies might offer windshield repair without charging the deductible amount.

Finally, it is essential to consider the effect of the claim on your subsequent insurance premium. Even though most companies don’t raise the premium after auto glass damage claims, you must confirm with the company.

Repair

Before you consider spending a Honda, Chevrolet or Skoda windshield replacement price, you should consult experts to find out whether it can be repaired. Regardless of the extent of the damage, as soon as you notice chips or cracks, inform your insurance provider and seek advice on the matter. As per protocol, you will be referred to one of the nearby service centers for further course of action

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