Cracked Auto Glass? Determine If You’re Covered By Insurance!

If you've recently discovered a crack in your auto glass, then of course you'll want to schedule an appointment for professional auto glass repair as soon as possible. After all, the crack will only continue to spread the longer you wait, and in the meantime, the damage could be impeding your vision while driving. You may understandably be wondering whether or not your auto insurance policy will cover the cost of the repair; the best way to find out is to call your agent, but in the meantime, there are a few questions you can ask yourself to get a better idea.

Do You Have Comprehensive Coverage?

Start by considering the type of coverage you have on your auto insurance policy. Generally, the only type of coverage that will pay for auto glass repair is that of comprehensive coverage. However, even if you have this coverage type, you'll want to check and ensure that glass coverage is included as part of it, as some insurance companies list this separately. Generally, if you have a car that you're still making payments on or leasing, you're required to have comprehensive coverage.

How Long Has the Crack Been Present?

You'll also want to consider just how long ago you noticed the crack; more than likely, your insurance agent is going to ask you this when you file your claim. Some insurance companies require that you report the crack and schedule a repair appointment within a certain number of hours or days. If you wait beyond that point, your coverage may be void and you will either have to pay for the repair out-of-pocket or pay your deductible.

How Large is the Crack?

Finally, the size of the crack can determine whether or not you're completely protected from having to pay anything out-of-pocket. Larger cracks, such as those more than a half-foot in diameter, are often too large to repair. Instead, the glass will need to be replaced entirely, which is usually not 100% covered by insurance and may thus require you to pay your deductible. Therefore, you may want to measure the size of the crack to help determine what to expect from your local auto glass repair shop, like Cambridge Collision & Auto Center.

Nobody wants to be stuck paying for auto glass repair, so it's best if your insurance will cover it. These questions should give you a better idea, but you'll want to ask your insurance agent to be sure.