Do Insurance Companies Have Specific Products For Damaged Windshields?

The windshield is crucial because it protects the vehicle's interior from harsh weather outside. In addition, it keeps you safe when involved in an accident. Hence, you should ensure that insuring your windshield is part of your plan because fixing it after damage can be expensive. Here is what you might need to know about getting coverage for a wrecked or broken windshield.

Why Is the Policy Crucial?

Typically, you have to repair or replace auto glass out of your pocket when you get in an accident. However, your carrier ensures they cover the cost as long as you have a policy. In this case, there are different types of windshield coverage, and your company might start by checking the vehicle's entire policy to determine whether there is a clause that can get you reimbursed for the repairs. For example, a comprehensive insurance policy might pay for windshield damage.

Are There Times When You Won't Require It?

There are certain cases why you might not need windshield insurance as a separate cost. As mentioned, some full insurance policies might include costs like auto glass. On the other hand, if the crash happens due to the reckless actions of another motorist, their carrier should pay the cost of replacing your damaged windshield. That said, you will need this coverage if you do not have comprehensive coverage and are driving around on third-party protection alone. Also, the company might deny your windshield claim if you were under the influence when you got in an accident that damaged the glass.

What Steps Can You Follow to Claim?

You should follow these steps if you break your windshield in an accident or other incident. Start by checking the impact of the wreckage to determine if it's fixable or if you need new glass. Next, access your policy document and ensure you have a clause catering to windshield damage. If you have such coverage, it will be easy to proceed and get reimbursed. So, file a claim with your carrier and include the necessary evidence so they can assess and compensate you accordingly. However, you might have to pay to get it fixed from your pocket if you don't have such protection. Alternatively, you can pursue the errant driver and ensure their carrier pays you for the cost you incur.

These are the crucial steps to follow in insuring your vehicle against windshield damage. So, talk to an auto insurance pro about your options if you incur windshield damage, and your policy doesn't cover the wreckage. They will help you determine the best way forward. 

For more info, contact a local auto insurance agency.