The right auto insurance can protect you from liability issues on the road, but it also ensures damage is repaired in a timely manner. Time is definitely of the essence when it comes to auto glass repair, as a damaged windshield can affect safety in numerous ways. This guide can help you file a claim when necessary and protect your driving experience. 

What Type of Windshield Damage Does Car Insurance Cover?

While liability insurance protects other drivers when you cause an accident, comprehensive and collision coverage protects you no matter who's at fault. These policies provide funds when vehicles are damaged by certain occurrences, often referred to as covered perils. Comprehensive coverage pays for damage caused by non-collision events, which can include unfortunate occurrences like theft and vandalism. Collision coverage provides funds for damage sustained in a car accident. 

Whether your damage is covered depends on the nature of the issue. Insurance is intended to cover sudden, unavoidable incidents, such as a pebble or rock being kicked up by the tires of the vehicle in front of you. However, it generally won't cover lack of maintenance, as related issues are preventable. Your policy should include a list of covered perils to help you determine the extent of your insurance. 

What Should You Do When Filing a Claim?

In the event of a minor chip or crack, you might consider not filing a claim and paying for the issue out of pocket. This is often a good option if your deductible is more expensive than the cost of repairs. 

However, when damage is substantial, contact your insurer right away. Provide any information you have, such as pictures of the damage or notes on how it occurred. From there, your insurer may recommend a shop for repairs. However, you're free to choose a shop on your own if you believe it will offer a higher level of quality. 

No matter what type of auto glass repair you need in Tucson, AZ, you'll find what you're looking for at Dwight's Glass & Tint. These glass specialists are known for their fast and efficient repairs, including chip repair and full windshield replacement. They insist on using trusted products and techniques when helping customers. They even provide window tinting services to keep your vehicle comfortable at all times. Visit the website to learn more about their services, or call (520) 326-1580 to schedule a free estimate.