The first question that probably comes to mind when noticing a cracked or shattered windshield is “will insurance cover this?” The answer to this question varies based on what type of car insurance you carry. In most cases, this replacement will be covered by comprehensive insurance. Below, we will answer the many questions that come to mind when finding out whether or not insurance covers your cracked or shattered windshield.
What if I don’t have comprehensive coverage?
If you don’t have comprehensive coverage, there are still two other ways that insurance may cover your damaged windshield. If someone holding liability insurance was at fault for the cracked or shattered windshield, you can file a claim against the property damage liability portion of the other driver’s insurance.
What if it wasn’t my fault?
The other way that your windshield repair could be covered is if you can prove someone else is at fault, but they do not hold liability vehicle insurance. In this case, you can file a claim against their homeowners or renters insurance to cover these expenses if they hold either of these types of insurance.
Should I file an insurance claim?
It can be a tough decision to decide whether or not to file an insurance claim. Generally, you will want to file a claim for glass or windshield damage if the repair cost is higher than your deductible. If you are wondering whether filing a glass claim will raise your premium, reach out to your insurer for more details as this varies from state to state.
What if none of the above scenarios apply to me and insurance will not cover the repair?
If you have looked into the options mentioned above and determined that you are not covered, you definitely still need to get the repair done. Almost all states have laws against driving with a cracked windshield, and it is much more prone to shattering if something as little as a small rock hits it.
If you are in need of an expert opinion, the auto glass experts of Abra are here to help! Whether you need a simple repair or a full windshield replacement, we can handle any of your auto glass needs. Contact us today so that we can get you back on the road!
Various auto glass experts within Abra Auto Glass Minnesota & Western Wisconsin.