Does Car Insurance Cover Sunroof Glass Damage? Everything You Should Know

Car sunroofs are rapidly gaining popularity. Manufacturers are now offering them as standard and optional equipment in car models. This classy element allows ample air and light to flood the car, making it warm and comfortable.

Car sunroofs are made with tempered glass and are durable. However, if a stone or debris element impacts it, the sunroof can crack. Incidents like vandalism or accidents can also damage a sunroof.

A sunroof glass replacement can be heavy on your pocket, but the right car insurance policy can save you money, provided you choose the right type of insurance.

Does Your Car Insurance Cover Sunroof Damage?

A sunroof adds a style element to the car and has other benefits. However, damage to the sunroof glass can cost a lot of money. If your motor insurance covers it, you can save on the damage costs.

Whether your car insurance policy covers the cost of replacing or repairing the sunroof glass depends on the type of policy you have. If you have comprehensive coverage, the only cost you incur is the deductible.

In some regions, car owners can buy full car glass insurance, which might allow drivers to avoid paying the deductibles for sunroof glass replacement.

To know if your car insurance policy covers sunroof damage, you must keep in mind a few factors.

What is the Type of Your Insurance?

Comprehensive auto coverage is required to repair most types of sunroof damage. Such policies cover damage caused by non-accident-related causes and ensure vast protection for most vehicle components.

Some providers offer only car glass insurance, which helps you to get coverage for sunroof glass replacement but not the operating system.

What Type of Damage Occurred?

Once you are sure of the car insurance type, determine the type of damage that has occurred. For instance, if your car's sunroof is damaged because of negligence in its maintenance, no insurance company will offer any financial assistance. However, in case of accidents, a car glass insurance policy might help with sunroof glass replacement or repair.

If the sunroof is damaged due to a deteriorated seal, water leakage can impact the car interiors. Car insurance might cover this damage if it is part of the policy.

How Do You File a Claim for a Damaged Sunroof?

A car glass insurance claim must be filed with the claim department as soon as you notice the damage. Once the claim is filed with the insurance company, the damaged sunroof will be inspected by the company representative to assess the severity of the damage and the parts that need repair or replacement. They will then settle the claims with the appropriate financial assistance.

A sunroof is often an optional element of a car. To ensure a sunroof, you will need to pay an extra amount towards your car insurance premium.

Conclusion

Car sunroofs are a speciality component of vehicles. They add style to the car's appearance and have other benefits. Such speciality elements may cost you more to repair if you do not have comprehensive car glass insurance.

If you need an expert technician to replace your sunroof glass, contact AIS Windshield Experts for reliable solutions.