It’s never fun when your windshield breaks. That tiny crack just keeps getting bigger and bigger until finally the entire windshield breaks and immobilizes your entire car. The piece that makes this whole situation even hard to swallow is that you usually have to pay for the repairs yourself! What many people who have had their windshields broken have found is that they usually want their insurance company to pay for a new windshield. Hey, you’re paying them to do that kind of stuff, right? What many people don’t realize however is that their insurance policies determine if their insurance will pay for their windshield – or not.
People who have car insurance are familiar with the term deductible. This is the amount you pay to the insurance company whenever there is a claim filed. When you pay this amount, after receiving the end amount of the repairs, the insurance company covers the rest of the bill. So for instance, let’s say you get into an accident and you do $2,000 of damage to your car. In your policy, your deductible is outlined, so if you have a $500 deductible, then you pay that amount and the insurance covers the rest of the $1500. The same goes for a windshield. Now, many windshields don’t cost very much to repair; only about $300 for most replacements. This is directly proportional to the deductible you would have to pay to your insurance company. So, if you have a $500 deductible, there would be no need to report it to your insurance company, because they would not be able to help you. But, if your deductible is less than the amount of the cost of the repair, then you may report it to the insurance company for consideration.
What is one of the most important aspect of driving a vehicle, the windshield, is also one of the most fragile. One small crack can turn into an entire line across your dashboard, or even worse, a totally broken windshield. These are repairs that have to be made very often, and thankfully aren’t terribly expensive. Some people however, might want their insurance companies to pay for their windshield damage. The only type of information that’s needed is to find out what the deductible for your policy is and make a decision of what to do based on that.