Historically, windshield replacements have been the most common of all car insurance claims. That is because we have all seen the damage a tiny pebble can do to our windshields and the costly damage that can ensue. A common question then gets asked, “Does my insurance cover the cost of a windshield replacement?”
Although a simple question, it is not always a simple answer due to the fact that it varies between an insurance policy and the insurance company. But if you know what your coverage provides, you can determine if your windshield is covered. In this article, we will be digging deeper into the types of factors that determine whether or not your windshield is covered by insurance.
Does My Insurance Cover The Cost Of A Windshield Replacement?
Generally, there are two main types of car insurance. These types of car insurance are known as minimum coverage car insurance and full coverage car insurance.
Minimum coverage car insurance is the minimum coverage that is legally required by the state you live in. If your windshield gets cracked by anything other than another driver, you will have to pay out of pocket with minimum coverage car insurance.
Full coverage car insurance expands beyond the state-required minimum coverage and includes comprehensive coverage, as well as collision coverage to your auto insurance policy. Typically, comprehensive coverage would cover windshield repairs. However, it really depends on your insurance provider. So let’s look deeper into comprehensive insurance and collision insurance to see what it really covers.
Collision insurance will pay for vehicular losses or repairs that happened due to a car crash or any other form of collision. For example, collision insurance will generally cover the repairs if your windshield becomes damaged due to coming into contact with another car, tree, or pole.
Comprehensive insurance coverage will insure damages unrelated to a collision, such as a golf ball hitting your windshield, a tree branch falling on your windshield, or damage from a hail storm.
Generally speaking, if you have full coverage auto insurance, you will be covered if your windshield needs to be repaired or replaced. However, it is very important to remember that you must file the claim first so the insurance company can assess the extent and the damage and process it through claims. Remember too that it depends on your insurance provider and state regulations as well. The best way to find out is to give your insurance company a call and see what your coverages provide.
But regardless of insurance, you will need a functional windshield to drive safely on the road. That’s why finding the right people to repair or replace your windshield is essential. Fortunately, AZ Auto Glass Pros can help!
Why AZ Auto Glass?
AZ Auto Glass Pros are here to assist you with all your windshield needs. Our team makes up of some of the best auto glass professionals in the industry. Our team of experts knows auto glass inside and out. That’s why they call us the AZ Auto Glass Pros!
We are proud to serve the great people of Phoenix, AZ, and surrounding areas. Our products come from the best manufacturers in the industry, and our service is efficient, fast, and friendly. We are confident that once you see how Arizona Auto Glass Pros does the job right, you will always come to us whenever the need arises.
Get A Free Quote
Do you own a vehicle and live in the Phoenix area? Are you considering getting your windshield repaired or replaced? If so, then the AZ Auto Glass Pros are the folks to call.
Receive a free quote today for windshield replacement or repair. Call today at (480)-710-0437 or check out our website at www.arizonaautoglasspros.com.