If you have bought a complete car insurance, then it is possible that windshield replacement is covered, provided that you’re not at fault why it got damaged. But then again, not all comprehensive car insurances are the same. You still have to know where your car insurance stands as far as windshield repair or replacement claims are concerned.
Every car owner is required to have a valid and working car insurance coverage as the law mandates it. However, some people tend to get insurance just for the sake of it. They are the ones that will most likely encounter problems with claims later on.
How Insurance Companies Treat Windshield Damage
Some car insurance providers provide full coverage with no expenses shouldered by the car owner. However, a deductible may still apply to you if you live in certain states or parts of the country. These are what they call the fine lines in insurance coverage that have to be read and understood completely prior to signing.
Other car insurance providers will cover the full amount of the windshield replacement job, but no the repair. As a car owner, you might be tempted to get your windshield replaced even for minor cracks that can still be repaired. It’s best that you consult with an expert in windshield repair Augusta GA about this first to be sure. Some repairs don’t cost much and take just a couple of hours. It may be more convenient to you to pay for the cost of the repair instead of waiting for weeks to get your windshield replaced.
Even so, there are car insurance providers that won’t say outright if windshield replacement or replacement is included in the coverage. Instead, they would say that every claim has to be investigated and decided upon after thoroughly studying the case. If this is the case, then it’s highly recommended that you work closely with your insurance provider to arrive an agreement.
More often than not, car insurance companies will only cover the replacement if the damage is extensive. This is usually the case or they will apply the deductible on your claim. If it’s just a small crack, then you will most likely shoulder the entire expense.
Hire Expert Windshield Repair or Replacement Professionals
Whether you want your windshield replaced or repaired, you’ll need the help of the professionals to get the job underway. The first thing to do is to, of course, ask your insurance provider about it. However, the final decision may still lie upon you.
To ensure that you’re getting the best services, be sure that you consult only with reputable service providers. If your insurance company recommends an auto glass company to handle the repair or replacement job, heed them. After all, you want your claim to be valid if there’s any.
Additionally, there are service providers that work directly with car insurance companies. That means you don’t have to worry about filing the claim or getting paid because they’ll handle that job on your behalf. These are the best people to hire as far as windshield repairs or replacement is concerned.