Owning a car is a necessity for a lot of people in this day and age. The distances between our homes and offices are getting longer, necessitating commute at times, and even going for some significant grocery shopping can be tricky if you don’t have a personal vehicle. However, in order to make sure that your trusty car is always going to “be there for you”, you should ensure that you take care of it. Regular maintenance like changing its oil and replacing the brake fluid are a must, but there are some other factors at play as well. For example, getting windshield replacement insurance. That’s because our climate here in Arizona is harsher than in other states; for auto glass, that is.
Because our temperatures are generally fairly high, and your AC is most likely on as a result, your windshield gets “stuck” between temperature extremes, gradually worsening its structural integrity. When pebbles or other flying debris then impact the glass at high speeds on the highway, it’s less likely to just shrug them off. As a result, chips and cracks of various sizes and depths are going to form, which require professional auto glass services in order to be solved safely. Luckily, comprehensive/full coverage auto glass insurance covers all types of no fault claims, for $0 deductible.
Here’s all you need to know:
Windshield Replacement Insurance for $0 Out-of-Pocket
Like we specified above, most types of auto glass damage that requires repair or replacement is going to be covered in almost all cases by comprehensive insurance. The trick is that this type of insurance is an optional one, and it usually goes hand-in-hand with collision insurance. When you draw the line, windshield replacement insurance basically covers your costs for auto glass damage that isn’t caused by another vehicle. Examples of such “no-fault” scenarios are:
- A tree or a branch fell on your windshield
- Flying baseballs, basketballs etc hit your windshield
- Debris or tiny pebbles or stones hit your windshield
- Birds crashing into your windshield
- Your car was vandalized
Of course, not all types of insurances are going to be the same, so make sure you check with your agent all the scenarios you’re covered for.
But I Don’t Have Comprehensive Insurance
As unfortunate as that is, it means you’ll have to cover the procedure’s cost. However, auto glass repair & replacement shops like our own have customized repair plans depending on your budget. Still, even without full-scale coverage, there are 2 scenarios in which you could still get away without a deductible.
- If you get into an accident and it’s clearly the other driver’s fault, then your windshield would also get fixed once you file a claim against that driver’s insurance (property damage liability).
- If someone breaks your windshield, and you file a claim directed at their homeowner or renter liability insurance.
Because of these limited opportunities to get away with $0 Out-of-Pocket, our recommendation is to consider a full coverage plan. If you already have comprehensive auto glass insurance, here’s what to do when your windshield isn’t in top shape anymore, and you choose to work with us.
Filing a Claim for Windshield Replacement Insurance
The process is similar enough to other types of claims. You most likely can choose from filing an online form, or calling up your agent. However, do not postpone this process, and this is a very important part. Insurance companies like to be notified as soon as possible for everything to run smoothly.
And besides, if you postpone the repair or replacement procedure, the damage can worsen; what would have been just a repair, could turn out to be a replacement in the end. If the damage originated from purposeful destruction, you should also get in touch with the police, as their report will be useful when contacting your agent.
You’ll then most likely have to drive over to a specialist from the insurance company, which is going to have the damage inspected and tell you who to work with in order to avoid out-of-pocket costs. At ProLite, we’re a preferred installer of all major insurers, and work with all of them regardless to get your auto glass pristine again! If you’d like to entrust us with the job, our highly experienced technicians can reach you anywhere in the Phoenix Metro Area, for no extra charge, and our friendly customer care team awaits your call at (480) 525-6554. We’ll even walk you through the entire claim filing process!