Learn How to Use Car Insurance to Pay for Windshield Replacement
Windshields are a crucial safety feature of any vehicle.
Windshields are a crucial safety feature of any vehicle. However, they are vulnerable to damage. Even a tiny chip or crack can obstruct a driver’s view and jeopardize their safety. Thankfully, car insurance policies cover the cost of windshield repair or replacement, depending on the type of policy.
When to replace a windshield
When choosing whether to repair or replace a windshield, the crucial factor will be the severity of the damage. If the damage is minor, such as a small chip, it can be repaired quickly. It will need replacement if the damage is more severe, such as significant cracks. An auto glass technician can assess the damage and recommend the best solution.
Not all policies are equal
When filing a claim for a windshield repair or replacement, research the guidelines and limitations of the insurance policy. Different policies provide different coverage options. Some policies may cover only the windshield, while others may include other auto glass. Conversely, other contracts may cover side windows but not the windshield.
Additionally, the policy may have a deductible amount, which is the amount that needs to be paid out of pocket before the insurance coverage applies. In this case, if the repair cost is lower than the deductible minimum, the insurance will not cover any repair costs.
Some states and insurance companies offer a zero-deductible policy. This means there is no out-of-pocket payment for repairing or replacing a windshield. However, zero-deductible policies typically have higher premiums than policies with a deductible. Therefore, the benefactor must weigh the costs and benefits of different policies before deciding.
Idaho windshield rules
Idaho has strict regulations regarding windshield damage. The vehicle will fail inspection if the damage obstructs visibility or affects the windshield wipers. Not only is this an inconvenience, making the car unusable legally, but it can also incur more significant costs in the long run. Therefore, addressing any damage in a timely fashion will ensure the vehicle remains road-safe.
Filing a claim
When filing a windshield repair or replacement claim, the insurance company may require multiple estimates from different repair shops. This is to ensure a fair price for the repairs. Some policies may only cover the cost of the lowest estimate, so it’s essential to check with the insurance provider.
Contact an insurance company for more details to file a windshield repair or replacement claim. They offer guidance throughout the claims process and may also recommend specific repair shops that the insurance company authorizes. However, the company cannot compel or restrict the benefactor’s choice of a repair shop.
Hire expert auto glass professionals
Working with a local auto glass professional is always advisable when dealing with windshield damage. They will provide an accurate estimate and offer advice. Additionally, they can recommend the best course of action for the specific situation, depending on the severity of the damage. If one notices any windshield damage, take action promptly to ensure safety on the road.
Lucid Auto Glass provides mobile windshield repair and replacement in Tacoma, Olympia, Renton, Lakewood,and surrounding areas. Our auto glass services include windshield replacement, rock chip repair, crack repair, and leak repair as well as door window regulator and door window motor repair and replacement. Family owned and operated. Military discounts available.
