Are you unlucky enough to have had your car window cracked with a rock or destroyed in an accident? If so, you might wonder if your insurance company will cover car window replacement or at least a basic repair.
Ultimately, it comes down to what level of coverage you have and what caused the damage. In some cases, you may pay nothing or only have to pay a deductible. But you’ll still need to determine if you’d pay more than you would without filing a claim.
Read on to learn about car insurance coverage for car window replacement to decide how to proceed.
Knowing When You’re Covered
The best way to find out if your insurance will pay for car window or windshield repair is to check your policy documents.
When you need a car window replacement due to an accident, you’re likely covered both for the window damage and other problems that your car faces. That’s because each driver should legally have property damage liability insurance, and your collision coverage handles any damage caused by hitting something.
However, you’ll need comprehensive auto insurance for other common causes of car window damage that don’t stem from a car accident. This includes such damage due to hail, rocks, storm damage and theft.
You should also check if you have any full glass coverage or an exclusion to the deductible for car window repairs. If so, you could be covered completely and not even have to pay anything to get your window fixed. Individual insurance companies along with state laws can make such options available.
Deciding Whether to File a Claim
Even if your policy covers car window damage, know that filing an insurance claim just for that issue may not always be the best idea financially if you do have a deductible to pay.
If you have a very high deductible, you might find that paying out of pocket saves you money. For example, consider that you have a $1,000 deductible for your insurance yet the repair will only cost $350. You’d save $650 if you just paid for it yourself!
Using auto repair financing is also an option if you want to avoid filing an insurance claim simply for a broken window. You could consider using a credit card that you’ll pay off over the next few weeks for a low-cost auto window repair or replacement. A personal loan can give you a better interest rate and offer a set term that works for you.
In any case, always get a quote first since your car window repair might cost much less than you think!
Learn More About Car Window Replacement Today
Whether your insurance will cover it or not, avoid putting off car window replacement or repair.
We make it easy when it comes to handling any insurance claim and can have your car window fixed quickly so you can get back to your daily life. We’ll also provide information about auto glass repair pricing so you can find an option that you can afford.
Contact us today to get started with your car window replacement!