Picture a beautiful summer day. You’ve just been on a picnic with your family and are driving home. Suddenly, a truck hauling gravel turns in front of you, tossing pieces of rock onto your windshield, leaving you with a noticeable crack.
This type of thing happens all too often to motorists in and around Springfield. In fact, most windshield and window damage occurs because of road debris while driving too fast on unpaved roads, or following a dump truck too closely.
Auto Insurance to the Rescue
As you may know, most auto insurance policies take care of glass repairs with little to no hassle.
Comprehensive coverage is usually your first line of defense. This type of coverage is most often purchased along with collision insurance, but it is optional. It generally covers you in the event that your car incurs damage from theft, hail, falling objects, or fire. This includes coverage for broken windshields (after deductible).
Full glass coverage protects you against the price of repairing your windshield (or replacing it). Unlike comprehensive coverage, you may not have to deal with a deductible on full glass coverage, or the deductible may be considerably lower than usual.
* Insurance premiums often go up after making a claim, but this is not usually the case with glass damage claims. Still, always check with your agent, so you know what to be prepared for when your next premium bill comes around.
What If Insurance Doesn’t Cover My Claim?
The cost of windshields is going up. In fact, according to experts, it may soon cost more to replace your windshield than it does to repair or replace some of your vehicle’s internal parts.
Why the price hike?
It is generally because of advancements in new car technology. Windshields, like all other areas of newer cars, are getting a makeover. Today, there are “smart windshields,” those with rain sensors and built-in defroster coatings, and even super-large “panoramic windshields.” All of these factors bring the overall cost of replacing your windshield up considerably.
If you don’t have comprehensive coverage or full glass coverage and no one else was at fault for the accident that caused your windshield damage, it will be up to you to pay for the repairs or replacement.
Fortunately, windshield repair generally isn’t too expensive. In fact, if it’s possible, it’s a much better option for fixing your windshield than a full replacement.
A repair job generally includes cleaning out the chip with a primer and a special tool. The crack is then injected with a particular type of resin, which is then cured. After this, the area is polished and cleaned once again.