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Whether you’re dealing with a broken windshield or just want to prepare for the unknown, it’s important to understand all of your options when it comes to insurance. That way, you can be sure to find the coverage that best suits your needs. In this article, we’ll provide all the facts you should know about windshield replacement insurance.
What is Windshield Replacement Insurance?
Windshield replacement insurance is a type of coverage that helps pay for the cost of replacing your windshield. This type of insurance is typically offered as an add-on to your existing auto insurance policy.
This type of additional coverage is sometimes called glass breakage insurance, windshield damage insurance, or full glass coverage.
What Does Windshield Replacement Insurance Cover?
Windshield replacement insurance typically covers the full cost of replacing your windshield, minus any deductibles that may apply. This means that if you have a $500 deductible and your windshield replacement costs $1,000, you would only be responsible for paying the first $500. The insurance company would then cover the remaining $500.
It’s important to note that not all windshield replacements are covered by this type of insurance. For example, if your windshield is cracked but still intact, it’s likely that your insurance company will deem it a repairable issue and will not cover the cost of replacement.
Similarly, if your windshield is damaged as a result of an act of vandalism, it’s also unlikely that your insurance company will cover the cost of replacement. In most cases, only the damage that occurs as a direct result of a collision or another type of accident will be covered by this type of insurance.
How Much Does Windshield Replacement Insurance Cost?
The cost of windshield replacement insurance will vary depending on a number of factors, including the insurance company you’re working with and the state you live in. In general, however, you can expect to pay somewhere between $20 and $50 per year for this type of coverage.
The costs will also vary depending on the deductible you choose. If you opt for a higher deductible, you can expect to pay a lower premium. Conversely, if you choose a lower deductible, you can expect to pay a higher premium.
Is Windshield Replacement Insurance Required?
No, windshield replacement insurance is not required by law. However, if you financed your vehicle, your lender may require you to carry this type of coverage. Additionally, some states may offer tax incentives for drivers who have this type of coverage.
Should You Get Windshield Replacement Insurance?
The decision of whether or not to get windshield replacement insurance is a personal one. If you live in an area with a lot of bad weather or have a history of accidents, it may be a good idea to consider this type of coverage. However, if you’re a safe driver and live in a relatively safe area, you may not need it.
The best way to decide if windshield replacement insurance is right for you is to speak with your insurance agent. They can help you understand the coverage options available to you and determine which one makes the most sense for your needs.
What if I’m in an Accident and Don’t Have Windshield Replacement Insurance?
If you’re in an accident and don’t have windshield replacement insurance, you’ll be responsible for paying the entire cost of replacing your windshield out of pocket. This can be a significant expense, so it’s important to make sure you have the coverage you need before an accident occurs.
The best way to avoid this situation is to speak with your insurance agent about your options. They can help you understand the different types of coverage available and find a policy that meets your needs.
Don’t wait until it’s too late – get the facts about windshield replacement insurance today!
FAQ About Windshield Replacement Insurance Coverage
Q: How much does windshield replacement insurance cost?
A: The cost of windshield replacement insurance will vary depending on a number of factors, including the insurance company you’re working with and the state you live in. In general, however, you can expect to pay somewhere between $20 and $50 per year for this type of coverage.
Q: How much is the deductible for windshield replacement insurance?
A: The amount of the deductible for windshield replacement insurance will vary depending on the policy you choose. In most cases, you’ll have the option to choose a deductible that ranges from $100 to $500.
Q: What does windshield replacement insurance cover?
A: Windshield replacement insurance typically covers the full cost of replacing your windshield, minus any deductible you may owe. In most cases, only the damage that occurs as a direct result of a collision or another type of accident will be covered by this type of insurance.
Q: How Do I File a Claim for Windshield Replacement Insurance?
A: If you need to file a claim for windshield replacement insurance, the process will vary depending on the insurance company you’re working with. In most cases, you’ll need to submit a claim form and supporting documentation, such as a police report or estimate from a glass repair shop. Your insurance company will then review your claim and determine if you’re eligible for reimbursement.
Q: I’m financing my car – do I need windshield replacement insurance?
A: If you’re financing your vehicle, your lender may require you to carry this type of coverage. Additionally, some states may offer tax incentives for drivers who have this type of coverage. Reach out to your insurance agent to learn more.