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4 Things You Need To Know About Vehicle Glass Insurance Claims

A cracked or broken windshield can be a frustrating and costly experience for any car owner. Beyond the inconvenience of taking time out of your busy schedule to repair a cracked windshield, the cost can quickly add up. Fortunately, many insurance policies cover glass damage. Here's what you need to know.

1. Understand Your Coverage

There are two main types of auto insurance: comprehensive and collision. Glass damage is typically covered under comprehensive insurance, which includes damage to the vehicle from non-collision events such as theft or vandalism. As a car owner, it's important to know which type of insurance policy you have and what the coverage limits are. For example, some vehicle glass insurance claims are covered in full after deductible, while others may have a limit on the cost of a replacement. Additionally, some policies cover chip repair at no cost.

2. File a Claim as Soon as Possible

When your vehicle's glass is damaged, your next step is to file a claim with your insurance company. It's important to file the claim as soon as possible, even if you're unsure when you will have time to repair it. Filing a claim early helps ensure that the damage is documented. Furthermore, some insurance companies may require you to file a claim within a certain timeframe, so it's best to contact them as soon as possible.

3. Choose a Reputable Repair Shop

Once your insurance company approves your vehicle glass insurance claim, you'll need to choose a repair shop to perform the work. It's important to choose a reputable repair shop that uses high-quality materials and has experience working on your specific vehicle make and model. Some insurance companies may have a list of approved repair shops, so be sure to check with them before making a decision.

4. Understand Your Deductible

Finally, it's important to understand your insurance deductible. Your deductible is the amount you need to contribute out-of-pocket before your insurance coverage is activated. The amount of your deductible can vary depending on your insurance policy and the type of coverage you have. If you find it difficult to pay the deductible, make an adjustment to your policy before the next renewal date. The change will not affect this repair but can help with any future vehicle glass insurance claims.

As a car owner, understanding the vehicle glass insurance claims process can save you time, money, and frustration. By understanding the above points, you'll be better equipped to handle any glass damage that may occur to your vehicle. For more information on vehicle glass insurance claims, contact a professional near you.