Note: This is a guest post from Auto Insurance Discounters.
Driving down the highway can be an exhilarating experience, which can be quickly ruined if a rock cracks your windshield. With people driving more than 10 billion miles across America as recently as November 2015, the chances of this mishap are more common than you might think. If your auto glass — such as your windshield, side window or sunroof — is damaged by an event other than a car accident, will your auto insurance cover the damages?
The answer lies in your insurance policy. If you have comprehensive coverage, you’re in luck! This type of car insurance can cover damages to your vehicle — including the glass — that did not occur as the result of a wreck. Your auto glass may be damaged from hail, weather damage, carjackers, vandals or even hitting a deer on the road. While collision coverage can help after an accident with another vehicle, comprehensive coverage can help in these other instances of glass damage.
How Your Deductible Factors In
It helps to know your deductible and to get an idea of how much the repair will cost. Generally speaking, comprehensive auto insurance may fully cover an auto glass repair without the need to pay your deductible, depending on the details of your policy. This may apply if your windshield has a small crack or chip that can be filled in with specialized resins by a professional auto glass company.
However, you will likely be responsible for paying your deductible if the whole piece of glass needs to be replaced. For instance, the only way to fix a shattered windshield is to replace it with an entirely new piece of glass, [...]