Replacing the windshield and windows for your car or truck can be costly. Your insurance providers may offer windshield or auto glass insurance coverage as an additional option to your existing insurance policy. In most cases, filing an auto claim won’t count damage to glass as a claim on your policy.
If you have purchased a brand new vehicle or own a vehicle that requires both collision and comprehensive insurance, you may not be covered when your windows are damaged from a break-in or natural disasters. Consider the following when you are thinking about adding glass coverage to your auto insurance policy:
Cost of Replacing Your Windows Without Insurance
Find out what the average cost of replacing your windshield and windows will be if you are paying out of pocket. You can get a quote from auto glass specialists in your area, or online. These specialists will look up the make and model of your vehicle, calculate the total labor costs and determine what you can expect to pay for the repair or replacement of damaged windows. In some cases, paying for the repair or replacement on your own can be less expensive than paying for auto glass coverage.
Coverage Under Your Existing Policy
Review your existing auto insurance policy to verify whether the insurance company will pay for windshield replacement and repair, or damage to your windows. Some insurance companies offer windshield repair at 100 percent coverage with no deductible, while others will pay for part of the repair and replacement costs. In many cases, you will need to purchase glass coverage as an additional coverage option on your car insurance policy. Still, windshield and auto glass damage is considered to be a “no penalty” claim, so the insurance company will not increase your rates when you file a claim.
Rates for glass coverage and riders vary by insurance company. Check with your insurance provider to find out what options you have based on your existing policy.
Likelihood of Damage to Your Vehicle’s Windows
If you drive your car regularly for work, school and other activities and have a long commute each day, you may be more at risk for being in an accident or having your windows damaged when driving on dirt roads or parking the car in an unsafe place. If you only drive your car to run errands or as a recreational vehicle, you may not ever need to worry about damaged windows.
Consider the likelihood of damage to your windshield and other windows based on you driving habits. If you are regularly driving in hazardous weather conditions, live and work in an unsafe neighborhood, or drive through construction sites and unpaved roadways on a regular basis, having auto glass coverage could help you save money on repair and replacement costs.
“Auto Insurance Glass Coverage,” CompuQuotes.
“Insurance FAQs,” Safelite AutoGlass.
“Auto Glass Replacement & Glass Coverage,” Auto Glass Guru.