Cracked Windshields: Does Your Insurance Cover That?
Many of us have encountered the frustration of windshield cracks on our vehicles. It can be quite bothersome, particularly when it obstructs our view of the road ahead.
The most common cause of cracked windshields is flying debris hitting the glass. This can occur when vehicles drive over loose rocks or other small objects on the road. Other common causes include severe weather conditions, temperature changes, and minor accidents.
Driving with a cracked windshield is risky and can jeopardize your safety on the road. You might be wondering, “Is my cracked windshield covered by my insurance?” Let’s delve into that.
Which Coverage Do I Need?
Comprehensive insurance is a type of coverage that safeguards you against vehicle damage not resulting from a collision. Incidents such as theft, vandalism, natural disasters, and yes, a cracked windshield, are generally covered under this insurance. So, if your vehicle’s windshield suffers a crack or chip, comprehensive insurance could most likely cover the repair or replacement cost.
Do I Need to Pay My Deductible?
However, it’s essential to consider the deductible. Deductibles are the amount you pay out-of-pocket for a claim before your insurance kicks in. If your comprehensive coverage includes a deductible, you’ll bear the cost up to that amount. For instance, if the windshield repair costs $400 and your deductible is $500, you’ll have to bear the entire cost.
But wait, there’s good news too. Many insurance companies now offer a “$0 glass deductible.” This means if your windshield needs repair or replacement, you pay nothing out-of-pocket. It’s an attractive feature, particularly for those residing in areas prone to hail or other conditions that might damage windshields.
To sum up, having a cracked windshield can be stressful, but comprehensive insurance can offer relief. Be sure to understand your coverage details, including deductibles, and consider options like $0 glass deductible for maximum protection.
Is Full Windshield Replacement Necessary for a Rock Chip?
While you might be tempted to disregard a small rock chip in your windshield, especially if it doesn’t obstruct your vision, this could be problematic. Temperature shifts, particularly those drastic ones, can cause minor cracks to expand. Consequently, the whole windshield might end up cracking. Therefore, even minor chips shouldn’t be ignored.
Furthermore, it’s important to realize that your auto insurance may cover windshield repair or replacement, making it cost-effective to address even smaller chips promptly.
Will My Car Pass Vehicle Inspection with a Cracked Windshield?
In many states, vehicle inspections are a prerequisite for registering or renewing license plates. Unfortunately, a vehicle with a cracked windshield will likely fail inspection. Additionally, driving with a severely cracked windshield could lead to receiving a ticket from law enforcement due to impaired vision.
Consequently, it is essential to prioritize windshield repair to ensure safety and lawful operation of your vehicle.
How Can Bargain Insurance Connection Help?
At Bargain Insurance Connection, we understand the stress that a cracked windshield can bring, and we are here to help. We offer comprehensive coverage with a $0 glass deductible, meaning you’ll pay nothing out-of-pocket for windshield repair or replacement. Our friendly agents are always ready to assist you in choosing this coverage, ensuring you get best protection without the financial burden.
Getting a comprehensive insurance quote is simple. Just give us a call at 816.453.7722, and one of our dedicated agents will be pleased to assist you. Alternatively, you can request an online quote below. With Bargain Insurance Connection, you are one step closer to worry-free driving, even when the unexpected happens.