What You Need To Know About Auto Glass Insurance
Did you know that some vehicle insurance policies cover the replacement glass that is damaged on your car? However, there are a few things that you need to know about auto glass repair and replacement before you think you’re going to cash in on the insurance. You don’t want to end up at the repair shop and realize you have to pay everything out of pocket.
First and foremost you want to ask the car dealer before you buy the car whether it comes with an auto glass warranty of any sort. It typically depends on the make and manufacturer of the car. Make sure you are completely clear of how long the warranty covers and how much longer is left on it.
Your personal car insurance may also provide coverage on the glass. Just as the manufacturer’s warranty is limited, the insurance coverage can be limited too. Some policies only cover damage done in an accident or by vandalism. However, a lot of windshield, window, and side view mirror damages happen. from inclement weather. Rain, snow, sleet, hail, and/or ice can also cause damage. Wind storms can make other things blow and then crack your glass. Make sure you ask your insurance provider if you have glass coverage, and what the policy stipulations are.
Furthermore, you want to find out from your insurance agent what your deductible is for window damage or login to your account online to find the information. For example, If you have a windshield that needs to be replaced and the cost is $1000, and you have a car insurance deductible of $500, that means that you have to pay that $500, and the insurance will pay the other $500. If you have a window crack that will cost $300 to fix, you would have to pay that amount yourself. The deductible means that up to $XXX (In this case, $500) you have to pay out of pocket. Insurance will then cover anything beyond.
When it comes to using insurance or a warranty for auto glass, you absolutely should if you are able. However, it’s not something you can usually get after the fact. So before you buy that car, make sure you know exactly what the warranty states. Also, before you sign your insurance papers, check and see if your policy covers auto glass, and if it doesn’t, you may consider getting that as an additional coverage.
The key to any of these situations is to ask questions. It’s always better to be safe than sorry especially when it comes to your vehicle. Here at Auto Glass Pro Shop we work with multiple shops in the area and can help you figure out exactly what you should expect to pay out of pocket.