Windshield damage may occur in many different circumstances, from stress on the glass to impact with rocks. Regardless of the cause, you need to repair the windshield as soon as possible to avoid further problems. Fortunately, your insurance company may be able to help with these expenses.
What Causes Windshield Damage?
The most common cause of windshield damage is impact with a rock or another piece of debris. This debris may come from the road, or it may fall from the back of another vehicle in front of you. You can reduce the risk of this type of windshield damage by avoiding driving on the shoulder, as well as by leaving a safe following distance between your vehicle and others on the road. However, some windshield damage may be unavoidable even when you take precautions.
How Bad Is Windshield Damage?
Windshield damage ranges in severity, from a small chip to a crack that stretches from one side of the glass to the other. Driving with a damaged windshield is not safe, so you should repair any damage as soon as possible, even if it is minor. The damage may obscure your vision while you’re driving, and/or it may get worse over time. For this reason, you need to have it repaired or replaced as soon as possible.
If your windshield only has a small chip, a full replacement won’t usually be necessary. Instead, the body shop can simply clean the chip and fill it in with resin. More extensive damage may require a new windshield.
How Much Will I Pay?
The amount you can expect to pay to repair or replace a damaged windshield will vary based on several factors, including:
- The model of your vehicle – Some vehicle models have much more expensive windshields than others.
- The age of your vehicle – Owners of older vehicles may be able to replace windshields for as little as $150. However, as vehicles become more advanced, these costs are rising. Many vehicles now have embedded technologies in the windshield, such as sensors. With a more advanced windshield, the replacement cost may be as much as $1,200 or $1,500.
- Insurance coverage – If you have comprehensive coverage on your vehicle, the cost of repairing or replacing the windshield will typically be covered after you have paid your comprehensive coverage deductible.
- Cause of damage – If another driver causes the damage to your windshield, his or her liability insurance should cover the cost of repairing or replacing the glass.
Reducing Your Expenses
Because the cost of repairing and replacing windshields can be high, some drivers may wish to purchase extra coverage. Today, many insurance companies offer a policy add-on designed specifically for this purpose. This policy add-on is usually known as “full glass coverage,” and it will pay for the repair or replacement of your windshield with a low deductible or no deductible.
Windshield Repairs and Auto Insurance Rates
If you need to file a windshield claim, you may wonder if it will affect your future premiums. Most insurance companies won’t raise your rates for a single windshield claim. However, if you file several claims, you may see a higher premium.
To learn more about windshield repairs and replacements, contact Krog Insurance today.
