There are many different portions of an auto insurance policy that could help you repair various points of damage on your vehicle. Some parts of your policy may cover the entire vehicle while other parts will cover specific damages, such as your windshield. What you should be aware of when you have insurance and need your windshield repaired is that there is a good amount of fraud that occurs with this type of coverage.
The way that the windshield coverage scam works is that an individual comes to your door, approaches you at a car wash or some other area where you are with your vehicle. They say that they noticed some damage to your windshield and they can repair it for you for free as long as you have auto insurance. While this statement can be true, it is often false and you don’t know until it is too late.
Not everybody has the coverage that will pay for repair or replacement of a windshield and many people will have the coverage but it will come with a deductible. The individual that is offering you this service has no way of knowing what coverage you do and do not have so their promise is empty. There is a way for you to handle this situation so you can get a potentially damaged windshield repair at your insurance company’s expense.
When you are approached by someone that wants to repair your vehicle you should listen to what they have to say and tell them you will consider their work but you must call your insurance first. Don’t accuse anyone of fraud, just tell them that you want to make sure you have the coverage so they get paid and step away for a few moments. Call your insurance company and see if the repair will be covered and, if so, file the claim so that you can get your windshield repaired.