What to Know About Car Windshield Replacement No matter how much you try to keep your carâ€™s windshield safe from damage, it is something that you will never be able to avoid. A car windshield replacement is one predicament that many people are going to have to come to terms with sooner or later. People would normally try to file an insurance claim in this case, but the fear of getting a higher premium is what keeps car owners from calling their insurance companies. However, windshield replacement can still be considered as no-fault claims, meaning that they can still be covered without any increase in rates. One question that many car owners ask with regards to windshield replacement is whether or not it is actually being covered by their auto insurance. If your auto insurance plan is being limited to only liability coverage, then the answer is a resounding â€œnoâ€?. Liability coverage almost never includes windshield damage, meaning that you will have to shoulder the entire bill yourself. This can put a pretty significant dent on your savings. However, if your auto insurance includes comprehensive coverage, then windshield replacement will be included in it. The catch here is that the repair fee must not be more than the cost of the deductible. Having higher deductibles will usually result in your monthly premiums being significantly lower, but this can also mean that you will have to fully shoulder the bill in case the cost repairs are low. In the event that the cost of replacing your windshield happens to be worth more than your deductible, then you can file a claim so you can still save up a few dollars from the repair job. In case you are wondering, making a claim for windshield repairs will not raise your rates by a single cent. The reason for this is because chipped windshields are categorized under no-fault claims since it is rarely the fault of the driver for the windshield being chipped in the first place. But you should keep in mind that there are exceptions to this rule such as deliberately driving off the road, therefore resulting in your windshield getting chipped. If you would like to know more, you can visit http://www.harrsautoglass.com/.
Published on Nov 21, 2014
No matter how much you try to keep your car’s windshield safe from damage, it is something that you will never be able to avoid.