Occasionally, damage to the windshield of a vehicle can be caused by rocks on the road. Whenever this occurs, it is important to fully understand your vehicle’s insurance policy, so you can arrange for the damage to be paid for. A windshield claim, which falls under the comprehensive auto insurance category, relates to windshield damage in the form of cracks, chips or a seriously damaged windshield.
If you have comprehensive insurance, then you can make a claim to completely (or partially) cover your repair or windshields replacement costs. In contrast, liability cover will only pay for the other person’s repair costs. All of this is based on the deductible, and will vary from one policy to another and from one state to another.
Prior to a claim being filed, it is essential to think about a few things. Firstly, you should find out how much your insurance deductible is. Secondly, you should obtain a quote for auto glass repair to discover the total repair costs.
Should you opt to make a claim, and then try to do this as soon as you can? In most cases, insurance firms will cover the whole cost of the repair work on the windshield cracks or chips. Thus, you will not have to have a complete windshields replacement. Always check this with your insurance firm, because it could save you a great deal of cash.
After your claim is made, it is best to consult with your insurance firm. Your agent will advise you about your deductible and your policy. Also, they will provide you with a choice of auto glass firms which can be hired with your insurance policy. Then, your chosen glass company will be contacted. Conveniently, most glass companies offer customer service to keep you up to date with all the paperwork and dealings with the insurance firm. After this, your windshield will be replaced or repaired, your insurance will have been dealt with, and you will be able to start driving again straight away.