Does Auto Insurance Cover Windshield Damage?

​You're riding in a car, passing through a rough road, then you notice a slightly long crack from the left side of your windshield. It was from some rocks splattering from other cars. You know that it would be an added expense to replace or repair it. You may want to know if you can claim insurance to cover the windshield damage.

Things to Consider When Claiming an Auto Glass Coverage
Remember that every policy has its coverage limit. You need to take note of these two things before claiming for the damage on your car's windshield.

Reason for the Damage
Your windshield or windscreen protects you from outside elements and creates a better structural component for the car. It is also prone to cracks, tends, or chips that may damage and cause inconvenience while driving. You can take note of how it was damaged. These may be caused by the following:

• Collisions
• Accidentally hitting another car or an animal
• Pebbles, rocks, or stones
• Hailstones
• Tree branches
• Using air conditioning while the windshield is hot
• Exposure to direct sunlight
• Defrosting it with boiling water
• Quality of the glass
• Poor Installation

Your Policy Coverage
Some coverages can file a claim, depending on how it was damaged. For example, Collision Coverage can cover your glass when hitting another car or an animal. Your Comprehensive Coverage can also cover damages caused by outside elements like rocks. 

While if you have Liability Coverage, only the other car damages will be covered, not including your owned vehicle. Aside from that, even if policies cover repairs, the insurance company will not pay all expenses. You might have deductibles or out-of-pocket expenses exceeding your coverage limit.

Glass Coverage
This is separate coverage, typically an added option along with Comprehensive Coverage. This may cover you with a small deductible or full glass for replacement or repair. Other states like South Carolina, Kentucky, and Florida automatically include this on the policy, but others may offer it separately.

Conclusion
It's hard to ignore windshield damage, and it might even cause more serious problems. Your car windshield is important in deploying airbags to protect you in an accident. So, consider what caused the damage and your policy coverage, and contact your insurance company for more options like Full Glass Coverage.

At UG Insurance Brokerage Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (718) 848-7777. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!