It promises to be a sunny, pleasant day as you and your family are cruising down the road. Suddenly, a large truck passes by and produces tiny rocks in its wake. You hope for the best but unfortunately, a small stone finds your windshield and produces a ding. It’s only a little star-shaped spot, but you know that it could start spreading at any moment causing need of a full out windshield replacement.
There are two ways to go about attending to the ding. You can repair it yourself, which will fix it for a little while but might require replacement later, or you could go ahead and get it replaced. The good news is that most insurance policies cover this sort of damage, but let’s look into your options and examine the possibilities.
Repairs Before Insurance
According to the NWRA, National Windshield Repair Association, replacing a windshield is much more expensive than repairing one. They suggest that any repairs should be carried out as soon as possible to prevent any further cracks or the damage becoming worse. A general rule to help your decision is that a chip or crack smaller than a dollar bill can generally be repaired.
Find a magnifying glass and take a good look at the damage. To fix this little problem, a neat technique is to inject acrylic adhesive or epoxy into the crack. You can purchase a repair kit for around $10 to save your windshield, at least for a while. Walmart and other big department stores carry these sort of items, as do autoparts places like Autozone.
Unavoidably, your window might need to be replaced, but at least you’ll have time to save a bit of money before diving into the process of windshield replacement.
No need to fear however, if you aren’t able to patch up the ding. Your insurance policy may be able to help with any repairs needed. Comprehensive or full glass coverage options are available to protect you against the cost of fixing or replacing a windshield.
Comprehensive coverage assists you in repairing or replacing your vehicle if it’s stolen or damaged in an accident that’s not a collision. This can include fires, vandalism, or falling objects like trees or hail. If you are leasing or financing your car, your lender most likely requires comprehensive coverage. If you own your vehicle, this coverage is an optional addition to your car insurance policy.
Full glass coverage is available in some states as part of, or addition to, your comprehensive coverage. With this option, you may not have to pay a deductible for any repair done to your windshield. Talk with your local insurance agent to get more details about your specific coverage choices.
The amount of money that you would pay out-of-pocket before your insurance starts helping pay for the claim is the deductible. Whether you pay for a damaged windshield claim or not depends on your own policy and where you live. Keep in mind that usually a car insurance policy will only cover the amount of a claim that exceeds the deductible.
For example, say you have a deductible of $500 on your comprehensive coverage. If you make a glass claim to get your cracked windshield repaired but it only costs $198, you’d end up paying entirely out-of-pocket. But don’t worry, there are some situations that could relieve you from paying a deductible on a glass claim.
- If your comprehensive coverage includes a glass repair agreement, then depending on your policy, your insurance company won’t apply the deductible if the windshield only needs repairs and not replacement.
- If you’ve chosen full glass coverage, then it will pay for the repair of a windshield with no deductible.
- Some states do not apply deductibles to comprehensive claims on windshield damages, so check out your state’s regulations on auto insurance claims.
All in all, repairing the damage yourself is the best route to go, but if you need replacement, it’s always best to check out what sort of insurance coverage you have. Looking into it now can help any future accidents as well.
Windshield damage can’t always be prevented, but having the proper automotive coverage in place may help you get repairs made so you can get back on the road.