Does an Auto Insurance Policy Deductible Apply to a Windshield Replacement?

When it comes to auto insurance, using the policy can be just as confusing as purchasing one. With the help of our independent agents, though, you’ll have no trouble finding the insurance that you need at the most affordable rates. In fact, we offer an online tool to help you to do that. When it comes to what types of coverage your policy offers and provides, it is important to take a close look at your individual policy since this can differ from one to the next. However there are some helpful things to know about windshield replacements.

Is Your Windshield Covered?

To find out if your specific policy covers this type of loss, you will need to read through your documentation or call your agent for additional information. However, most auto insurance policies that offer comprehensive coverage will provide this type of coverage. It also depends on how the windshield broke. If you were involved in a collision that you caused, collision insurance may cover the costs. If you were involved in an accident where a tree branch fell on your car, it may be covered depending on the type of plan you have.

Keep in mind that your deductible will play a role in this process. For example, you may have auto insurance with a deductible of $1000. If that is the case, you’ll need to pay the first $1000 towards the claim. If your windshield costs less than this, there may be no point in filing a claim. However, if you do, that claim would then count against your annual deductible, if that is what your plan provides. Some individuals have a deductible that applies per instance or incident. This may mean that you’ll have to pay $1000 on the next incident and claim as well.

It helps to have the right type of auto insurance in place. That’s why it is so important for you to shop around for insurance plans. We can help you to do just that. Use our online tool to help you to compare policies from multiple insurance carriers. You can see what the deductibles are, what they cover, and what other costs apply. This is an easy way for you to ensure you get a policy that offers an affordable deductible for you while also meeting your other insurance needs.