A Windshield is one of the most important parts of your vehicle’s safety features, yet we often don’t think much about our auto glass insurance until something bad happens to it. It’s important to be well informed about your auto insurance, so anytime you need a repair or replacement for particular parts of your car such as your windshield, you will know for sure whether it’s covered or not as well as other benefits you can get from the insurance company.
When your windshield has a crack or a chip, it’s important that you fix it immediately at a local auto glass shop in the city of Little Elm, TX for your safety. But some people may not do so because they’re thinking about the cost. They are usually not so sure about their insurance coverage and whether the auto glass is covered or not. Some others are afraid that if they contact their insurance company regarding windshield repair or replacement, their premiums will increase.
Types of Auto Insurance
There are generally two kinds of auto insurance commonly used by car owners; comprehensive insurance, and Liability & Collision insurance. Comprehensive insurance would practically cover any damage that may happen to your car including your windshield and other auto glass installed in your car. It covers windshield damages caused by falling debris, hail, rocks, as well as other causes. If you have a comprehensive auto insurance, usually you will pay very little when your window or windshield need to be replaced or repaired. In fact in some cases, it would cost you nothing at all to replace your windshield.
On the other hand, Liability and collision coverage usually will not cover damages on your windshield or windows for the above mentioned causes. It only provides coverage if your vehicle collides with another object or another vehicle, and if it overturns or rolls. Liability coverage will pay for the damages to the other vehicle (that you hit), while collision coverage will pay for the damages to your own vehicle.
But still, many people who have comprehensive auto insurance are hesitant to contact the insurance company for broken windshield or windows because they are afraid that the premiums will increase. This is not true, your insurance premium will not go up just because you file an auto glass claim. So before anything happen, it’s best if you check with your insurance to ask about your auto glass coverage.
Two other types of auto insurance are Fire and Theft with Combined Additional Coverage (CAC), and Physical Damage Insurance.
Auto Glass Insurance Claim Process
Everyone knows that an insurance claim can be a time consuming process, that’s also the reason that makes people hesitant to contact their insurance companies for auto glass damage. Fortunately, there are many auto glass shops in the city of LIttle Elm, TX that can take care of your auto glass insurance claim process. So basically you just need to take your vehicle to the auto glass shop then just relax and let them process your insurance claim for you.