Unfortunately, a broken windshield is not just a nuisance, it is also detrimental to the overall driving practices of the driver. This can make it more difficult for the person to drive, if not impossible. A broken windshield can be caused by a piece of debris flying into the glass or from a car accident. Many people have the question of if their specific broken windshield is okay under their auto policy and deductible. In general, this will vary from person to person depending on their individual insurance company. However, there are some specifics to look for in such an event.
Insurance coverage on a broken windshield
In general, regardless of the situation being the individual’s fault or not, windshield damage will be on your auto policy. This is if you have full coverage. Full coverage means that the individual has liability and comprehensive auto insurance. This also means that insurance coverage will pay for problems. If a person has just liability insurance, this is when the insurance company will only pay for the damages caused by the insured person’s vehicle on the property that the driver damaged that is not their own, individual vehicle. Only with full coverage can an individual get this type of problem coverage.
However, the amount of a person’s deductible will factor into whether or not the person will need to pay. When a person gets an auto insurance policy, they determine their deductible. For most companies, these options include $250, $500, $750 and $1000 deductibles. Higher deductibles typically mean lower monthly payments. In most cases, the cost of replacing a windshield will be more than most of the deductible.
Have auto glass needs? Give us a call today at (720) 742-9222