Windshield damage requires timely repair to ensure good visibility behind the wheel. That’s why many motorists turn to their insurance companies after damage occurs, as insurers can help facilitate timely repairs.
In this case, you may be wondering about the limit of insurance companies when it comes to windshield repairs and replacement. This guide explains a few key facts to ensure you can make an informed decision.
Car Insurance Can Pay for Auto Glass Damage
In many cases, auto glass coverage can be provided in one of three ways:
- Comprehensive Coverage – Comprehensive insurance covers damage caused by non-collision events. For example, it may provide funds if your windshield is damaged by a falling tree branch or some other type of debris.
- Collision Coverage – Collision coverage offers repair funds for damage resulting from a vehicle collision, regardless of fault. This option is beneficial when auto glass damage has resulted from a car accident.
- Auto Glass Coverage – Some insurers provide the option of auto glass coverage, which typically covers both chip repair and auto glass replacements.
Keep in mind that basic liability insurance does not cover damage to your vehicle. This insurance only provides funds to other drivers when you’re at fault for an accident.
When to File an Auto Glass Claim
Comprehensive and collision coverage require a deductible, which is an amount of money the insured party must be paid before receiving repairs. In this case, you must weigh the cost of the windshield damage against the deductible amount, which typically ranges from $500 to $1,000.
If the deductible costs more than the repairs, it makes more sense to pay for damage yourself and refrain from notifying your insurer. However, when it comes to full windshield replacement, the deductible may be cheaper than the cost of repairs.
Our team of auto glass repair specialists at Astro Auto Glass have been assisting local customers since 1997. Along with our repair prowess, we also have extensive experience with the insurance claim process. Additionally, we back our work with warranties, which means you can trust in our services. Please contact us today for more information. You can also schedule an appointment at our Albuquerque shop by calling 505-766-5176.