(Newswire.net — October 5, 2018) — We have all been there. Dealing with a cracked, chipped or broken windshield is a common car repair occurrence that even Airport Shuttle of Phoenix has experienced. It should not drive you nuts every time it happens. Some of the common causes for all these windshield problems may include falling branches, pebbles or sand, vandalism or even animal collisions. So, what do we do when we need a windshield replacement? If you’re wondering, “Should I use insurance to replace my windshield?” then this article will detail all of the things you need to consider before making a decision.
Understanding Glass Insurance Coverage
It is always a tricky situation when your windshield or any other glass part of your car gets damaged. If it was not from a collision, then you would most likely have to rely on comprehensive coverage to get a replacement. Comprehensive coverage is often optional for a lot of auto insurance companies; so be sure to double check if you have this type of coverage or not.
Comprehensive coverage typically insures your auto glass in certain incidents:
- Vandalism
- Fire
- Storms
- Collision with animals
Also, be sure to ask if you have all inclusive coverage. Some coverage plans only include side and back glass windows. You probably don’t want to be surprised by a windshield replacement bill at the end of the process when you thought it was going to be covered, so make sure to always double check your coverage.
Take Note of Your Deductible
Do not be in a hurry to use your comprehensive coverage to replace or repair your windshield. Take time to compare your deductible to the actual cost of the replacement. If your deductible is more than the cost of replacement, it would be more beneficial to not make a claim and just pay out of your own pocket for the replacement.
However, that does not mean that that’s the only option. Some auto insurers will undertake the replacement without requiring you to pay the deductible. Yes, the cost may be significantly high; but you will not pay the deductible. It is a win for you.
What Impact Does a Claim Have on Your Premium?
In most instances, a windshield replacement that isn’t caused by a collision does not necessarily mean a hike in your auto insurance rates. This is not a universal guarantee; it will vary from one insurance company to another. What this means is that filing a claim for your windshield replacement it is not usually the holiest thing to do. Here is an example to shed some light on this matter:
Let’s say your entire windshield replacement cost is $300, and your coverage is $250. If you go ahead and file the claim, the insurance company’s contribution will be $50.
Is $50 worth placing a claim for? Your claim will go on your record, and the more claims you have, the more you’re perceived of as a “risk.” The next time you will be renewing your insurance coverage, your premiums may or may not go up.
The Process of Filing the Claim
If you decide to file a claim through your insurance for a repair or replacement, you’ll be faced with this general procedure:
Submitting Your Claim
Depending on your insurance company, you can do this through a mobile app, calling it in, in person, or filling out an online form. Once this is done, you will get someone from the insurance company explaining to you what happens next. If the claim goes through and reimbursement is approved, you may have to drive to the insurance office for an inspection.
Fixing the Damage
Your insurance company can refer you to a repair shop of their choice or you can choose which shop you want to get your repairs done. If you decide to choose your own shop, make sure that it is a reputable repair shop that meets quality auto glass repair standards.
Reimbursement
Once the repair or replacement is finished, make sure to hang onto any invoices, receipts, or documents related to the repair. Your insurance company will need this information in order to reimburse you for any of the costs.
Bottom line
Windshield damage is extremely common and there are different ways to go about it. Clear Diamond Auto Glass recommends replacing your windshield — especially if it’ll inhibit your ability to drive. These tips will help you decide what to do the next time you ask yourself, “Should I use insurance to replace my windshield?”