Will Car Insurance Cover Windshield Replacement?

We all need clear lines of sight when we hit the road. Being able to see out of our windows and windshields remains critical to our safety. So, if something damages our windshield, we might find ourselves without good visibility while behind the wheel. This is a big danger, so don’t let it happen to you.

Windshield damage can result from a variety of sources. However, regardless of where the damage comes from, it’s still expensive to repair.

In some cases, your car insurance can come in handy in these instances. However, it’s a bad idea to rely on your policy 100 percent.

Coverage For Windshield Damage

Imagine that, during a windstorm, a tree branch snaps and falls onto your car, shattering the windshield. This presents quite a mess, and will likely lead to a quite hefty repair bill. However, if you have car insurance, you might not have to pay the full cost of the damage.

Your policy’s comprehensive coverage can often pay for damage your vehicle sustains from non-accident hazards. Comprehensive coverage often covers storm, fire, theft, vandalism and even animal collision damages. In the case of a fallen tree limb, comprehensive coverage might come in handy. Some exclusions might apply, so check with your insurer to guarantee the coverage.

Collision insurance can also help you pay for vehicle damage sustained in accidents. For example, if you collide with another car or object, your windshield might shatter. With collision protection, you might get help paying for the damage.

Still, your car insurance might have certain limits on how it will pay. If you have a deductible, you will have to pay that cost yourself before your insurance will kick in. For example, if you have a $200 windshield and a $150 deductible, you must pay the $150 on your own. Your insurance will only pay the remaining $50 (as $150 + $50 = 200).

Windshield Care And Damage Prevention

Keeping your windshield in good shape should remain one of your top priorities. This not only keeps you safer, but prevents you from paying expensive repair costs. Most insurance policies won’t cover repairs for normal windshield wear and tear.

Your windshield is durable, so you often don’t have to pay it excessive attention to keep it in good shape. Still, watch out for chips, cracks, discoloration, leaks and vibrations.

These might indicate problems that might instantaneously lead to a full windshield failure. Take your car to a windshield specialist immediately if you suspect problems.

Have questions about car insurance? Texas Insurance Agency has answers. Contact us today for more information.

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