Driving with a cracked or chipped windshield can be a dangerous distraction, and it can also lead to a ticket. With this in mind, it is important for motorists to keep a close eye on the condition of their auto glass so that they can avoid dealing with any of the potential ramifications that are associated with allowing a crack to spread. However, it can be confusing to figure out whether or not your insurance policy provides you with the necessary coverage, and the cost of a Houston windshield replacement can be expensive for some vehicle types.
Will My Insurance Cover the Necessary Repairs?
Some car insurance companies give their clients the option to add on a full coverage auto glass rider. Although this will typically add a few dollars to the cost of your monthly premium, it can be very useful if your windshield becomes damaged. If you do not have this rider in place, your comprehensive policy will determine the level of protection that you have in the event of a cracked or chipped windshield.
How Do I Determine if it Makes Sense to File a Claim?
Your comprehensive automobile insurance will come with a deductible that probably ranges from $100 to $1,000. Therefore, you should get an estimate on the cost of replacing your windshield before you contact your insurance company. After all, if your deductible is $500, it would not make sense to contact your insurance agent regarding any repairs or replacement costs that are equal to or less than $500. Additionally, many people decide to pay for the repair out-of-pocket even if it slightly exceeds their deductible so that their insurance premium will not increase. Fortunately, this is not necessary if your policy includes a clause that gives you no-fault auto glass replacement.
What is a No-Fault Claim?
Some insurance companies provide a no-fault claim option for certain situations, including windshield damage that you do not cause yourself. In other words, if a rock flies up from the road and strikes your windshield, you should be able to make a no-fault claim. The main benefit of this clause is the fact that your insurer cannot hold your claim against you when it is time to calculate your next insurance rate. Due to this, it is safe to make a claim if the damage exceeds your deductible. However, it is important to remember that you can be considered to be at-fault in certain situations. For example, if your auto glass becomes cracked as the result of an accident that you cause, you will not be able to utilize the no-fault clause in your policy.
Is it Necessary to Repair Minor Damage?
Some minor chips and cracks do not end up becoming a major issue, but the majority of them will spread over time. Therefore, it is definitely best to attend to these issues before the situation becomes worse. It is also not wise to ignore a crack simply because it is located on the passenger side. Although you might not end up getting a ticket due to the placement of the crack, your windshield will still be compromised, and the crack could easily end up spreading into your line of vision.
Obtaining a Houston Windshield Repair or Replacement
If you live or work in the Houston area, you can take your vehicle to the auto glass professionals at Apple Glass Company to receive a free estimate. We can also help you work with your insurance company to ensure that you are able to take advantage of the coverage that is provided by your policy. Contact us today at (713) 680-1400 to schedule an appointment for an estimate, repair or replacement.