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car window replacement in san diego

Will My Insurance Cover Windshield Replacements?

Windshield insurance coverage is quite useful to many motorists. Replacing a windshield is a big expense for a majority of car owners today. That is why most people want to know if their insurance covers windshield replacement. In fact, the best way to find out whether your insurance policy will cover windshield replacement is to ask your auto insurance provider whether they cover windshields. The type of damage to the glass will determine if you need to repair or replace it. If the windshield has a crack large than a dollar note, it can’t be repaired. The windshield needs replacement under such circumstances. On the other hand, if the glass is chipped closer to the driver’s line of sight, it needs a replacement. This article answers the question of “will my insurance cover windshield replacement?” Damages to the windscreen of your car are usually covered if you have comprehensive insurance. In fact, comprehensive insurance is an optional cover that you can purchase along with collision insurance. Comprehensive insurance will protect your car from any type of damage that isn’t caused by another vehicle. Here are some of the damages that comprehensive insurance cover: . Pebbles flying into the windscreen while driving. . Tree branches falling into the windshield. . An animal crashing into the windscreen. . Baseballs crashing into the windshield. . Certain acts of vandalism. Although most insurance providers cover windshield repairs and replacements through comprehensive insurance, you should check with your insurance provider whether they do the same. If you don’t have a comprehensive cover, your insurance provider may not cover windshield repairs and replacements. But there are two exceptions where you can repair the windscreen through liability insurance. The first example is when another vehicle crashes into your car and the windshield is damaged as a result. If the other driver is at fault, you can repair the car, including the windshield with the liability portion of the other driver’s auto insurance. The second instance is where another individual breaks your windshield. If that is the case, you can file a claim under homeowner’s or renter’s liability insurance, provided the other person has either of these coverages. But you have to prove to the insurance provider that the fault is with the other person. It is highly recommended that you get both collision and comprehensive insurance coverages for your car if it is worth more than $3,000 or less than 10 years old. Although these additions can increase your auto insurance premiums, the cost of repairing your car will be more expensive than what you will pay for these coverages over the next five years. The cost of fixing a windscreen can be between $100-$400 for a standard car. But the price can be as high as $1,000 for some of the high-end models. That is why you need to include a comprehensive coverage in your auto insurance policy to replace/repair windscreens. A windshield insurance coverage is very useful to a majority of motorists. The above article...

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