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Do you have a cracked windshield? If so, you’re not alone. In fact, about 3 out of every 4 vehicles on the road have damaged glass. And while it may not seem like a big deal, windshield damage can actually be very dangerous.
That’s why it’s important to have windshield replacement insurance. This type of insurance will cover the cost of repairing or replacing your windshield if it is damaged in an accident. However, many drivers are unaware of what windshield replacement insurance actually is or how it works.
Here’s everything you need to know about windshield replacement insurance:
What is Windshield Replacement Insurance?
Windshield replacement insurance is an optional type of car insurance that covers the cost of repairing or replacing your windshield if it is damaged in an accident. This coverage is typically included in comprehensive car insurance policies.
How does Windshield Replacement Insurance Work?
If you have comprehensive car insurance, your policy will likely include windshield replacement insurance. This means that if your windshield is damaged in an accident, your insurer will pay for the cost of repairing or replacing it. In most cases, your deductible will apply. For example, if you have a $500 deductible and your windshield costs $1,000 to repair, you will be responsible for paying the first $500, and your insurer will cover the remaining $500.
What does Windshield Replacement Insurance Cover?
Windshield replacement insurance typically covers any damage to your windshield that is caused by an accident. This can include cracks, chips, or even complete shattering. In some cases, this coverage may also extend to other windows in your vehicle, such as the side or rear windows.
How Much Does Windshield Replacement Insurance Cost?
The cost of windshield replacement insurance varies depending on a number of factors, including the amount of coverage you need and the deductible you choose. However, in most cases, this type of coverage is very affordable and can be added to your comprehensive car insurance policy for just a few dollars per month.
Is Windshield Replacement Insurance Required?
No, windshield replacement insurance is not required by law. However, it is a good idea to have this type of coverage if you live in an area where accidents are common or if you frequently drive on highways or other roads with a lot of traffic.
How Do I Get Windshield Replacement Insurance?
If you’re interested in getting windshield replacement insurance, the best place to start is by talking to your car insurance agent. They will be able to help you understand your options and choose a policy that meets your needs.
What if I’m in an Accident and Don’t Have Windshield Replacement Insurance?
If you’re in an accident and your windshield is damaged, you will be responsible for paying the cost of repairing or replacing it. This can be a significant expense, so it’s important to make sure you have the right coverage in place before you need it.
Without comprehensive insurance, you could be left footing the bill for a costly repair or replacement. So if you don’t have this type of coverage, now is the time to get it.
Comprehensive car insurance with windshield replacement insurance is an affordable way to protect yourself from the high cost of repairs or replacements. So if you don’t have this coverage, be sure to ask your agent about it. It could save you a lot of money in the long run.
Important Factors to Consider Before Purchasing Additional Coverages for Your Vehicle
Before you purchase any additional coverages for your vehicle, it’s important to consider a few factors:
Your needs: Consider what you need protection from. If you live in an area with a lot of hail storms, for example, you may want to add comprehensive coverage to your policy. On the other hand, if you live in a safe neighborhood and don’t drive often, you may not need as much coverage.
Your budget: Make sure you can afford the coverage you’re considering. Additional coverages can add up, so be sure to get quotes from several insurers before making a decision.
Your vehicle: Some vehicles are more expensive to insure than others. If you have an older car, for example, you may not need as much coverage as someone with a newer car.
Once you’ve considered these factors, you’ll be in a better position to decide if additional coverages are right for you.
In conclusion, windshield replacement insurance is a good idea if you live in an area where accidents are common or if you frequently drive on highways or other roads with a lot of traffic. This type of coverage is typically very affordable and can be added to your comprehensive car insurance policy for just a few dollars per month. If you’re interested in getting windshield replacement insurance, the best place to start is by talking to your car insurance agent.
If you are local to our area and need help with a damaged windshield, don’t wait to contact us for a free quote! We are your local windshield replacement and repair experts and are dedicated to providing the highest quality service in the area. We have a wide range of replacement and repair options to choose from, so you can be sure to find the right solution for your needs. Contact us today to learn more!