A damaged windshield is a serious problem that may get worse if you don’t repair it quickly. In some cases, extensive damage to your windshield may even require replacement. Because driving with a damaged windshield is not safe, it is best to resolve this problem as soon as possible. Fortunately, taking care of windshield damage may not be as difficult as you think.
How Did it Get Damaged?
Windshields can be damaged in a variety of ways. However, many drivers notice damage to the windshield after a rock from the road hits the windshield. This may occur when the driver is spending too much time driving on the shoulder of the road, or if the driver follows a vehicle carrying rocks or other debris. Avoiding these habits can reduce the risk of windshield damage.
Assessing the Damage
Windshield damage ranges in severity, from small chips to large cracks that cover the entire surface. If the damage to your windshield is minor, you may not need to replace it. For example, if you are dealing with only a small chip, it can be cleaned and injected with resin. However, if the damage is more extensive, a replacement windshield will often be required.
How Much Will It Cost?
The cost of a windshield replacement is dependent on the model of your vehicle. In general, however, windshield replacement costs have been increasing considerably. Years ago, vehicle owners could replace windshields for as little as $150. With vehicles becoming more technologically advanced over time, the cost has risen to as much as $1,200 to $1,500 for some vehicles. This is the result of advancements such as sensors and other technologies embedded in the vehicle’s windshield.
Windshield Replacement and Insurance Coverage
With windshield replacements and repairs costing so much, many vehicle owners look for ways to protect themselves from these expenses. In cases where another driver was responsible for the damage to your windshield. That driver’s liability insurance policy should cover the cost of your repairs. However, if no other driver’s insurance applies, your windshield damage will be covered only if you have comprehensive insurance. If you have this type of coverage, your insurance company will pay all of your covered expenses in excess of your comprehensive coverage deductible.
If you are interested in purchasing extra coverage to protect you in the event of damage to your windshield, many car insurance companies are now offering a policy add-on known as “full glass coverage.” This type of coverage will pay for windshield replacements with no deductible or only a small deductible.
Will it Raise Rates?
In most cases, a single windshield repair or replacement claim will not raise your rates. However, if you make these claims frequently, your insurance company may consider them as a factor when calculating your future premiums.
If you are concerned about windshield repairs and replacements, having the proper insurance coverage in place is essential. Contact Vanyo Insurance today to discuss your insurance needs or to learn more.