When searching for a policy, you might not give windshield coverage much thought – but if you’re driving and a stone hits your car window, you may wish that you’d had that extra financial protection. Windshield insurance is often able to cover any damage that your windscreen could suffer, including cracks.
Will car insurance cover a cracked windshield?
In these instances, there’s a good chance that you’ll only be able to rely on your insurance if you have windshield coverage. Also known as windshield insurance and windshield repair insurance, this type of cover is typically included in comprehensive coverage, so you may be lucky enough to be insured in these instances without paying any additional fee.
What do you need to do if your windshield is cracked?
In most cases, you’ll have a few options if your windscreen gets damaged. Ideally, you should file a claim for a car window repair or replacement if you have windshield insurance – but if you don’t, you may have to pay for the repairs on your own. While you could leave it and hope the issue doesn’t get any worse, this isn’t usually a wise idea.
When it comes to insurance claims, windshield damages are often some of the most common issues of them all, but you may not always need your insurance to cover the damage. Usually, if you have comprehensive coverage, an insurance company will cover the costs of repairing chips and other minor repairs without making you pay a deductible.
However, it’s often best to consider all your options. For example, if you have the cash to take care of the issue yourself, is it worth filing a claim? From saving yourself time and effort to keeping your insurance record claim-free, it might not be a bad idea to handle the problem yourself if you have the opportunity to.
Even if the claim doesn’t affect your rates now, if you already have claims on your record, or if you file one in the future; it may increase your rates – which is something that almost anyone will want to avoid if they can.
What if it’s just a chip?
Even if it’s just a chip, these small and seemingly insignificant damages can often grow into something much more severe and expensive. Usually, it doesn’t take much time before they start to spread, which can be a danger to you and others on the road. Because of this, it’s generally a wise idea to take action as soon as possible.
Will insurance fix a cracked windshield if you don’t have windshield coverage?
In most cases, you’re out of luck if you don’t have any financial backup for the costs that can come with these kinds of damages. In these situations, you may have no choice but to pay for the repair or replacement windscreen by yourself – and in most cases, getting the damage rectified as soon as possible can be crucial.