Driving with a cracked or chipped windshield is dangerous. Not only does it inhibit your view of the road and potential obstacles, but it also reduces the structural integrity of the glass. Fortunately, auto insurance policies offer financial assistance in some cases. Here's a closer look at what's covered and what you should do.

What Types of Windshield Damage Does Insurance Cover?

Auto insurance coverage varies for each policy, so it's important to thoroughly review your plan to determine protections. Typically, a plan will pay for chipped windshields when they occur in an accident. If the other party is responsible, their insurance should cover the windshield repairs or replacement. 

If you're found to be at fault, claim acceptance is dependent on the policy. Collision coverage is designed to offer financial assistance to the policyholder in such situations. However, if you only have a liability policy, it's unlikely to pay. 

Damage that occurs from flung rocks on the roadway or vandalism relies on comprehensive coverage. Such aspects of a policy are designed for damage that's not collision-related. You'll generally have to pay the deductible amount before the rest is paid for by the insurer.

How Can You File a Claim to Cover Repairs?

After determining coverage is available on your policy, reach out to the provider to file a claim and explain how the damage occurred. They'll assign an adjuster to the case to review the incident and deny or approve payout. 

While the insurer may make suggestions, you have the right to select a glass company of your choice. This requires getting a quote and providing it to the adjuster for approval. Once it's cleared, you'll pay the deductible, and the chipped windshield repair can begin. 

You have the right to select the glass company of your choice (not your insurance company)! Protect yourself and passengers from the dangers of a chipped windshield with help from GlassPro Inc. in Lawrenceburg, IN. Drivers across the Greater Cincinnati, OH, area rely on the local insured business for fast, dependable, and affordable auto glass repair and replacement. Learn more about their fully warranted services online or call (513) 874-6559 to speak with a team member.