Monday, October 3, 2011

Insurance Claim Tips for Auto Glass Repair or Windshield Replacement

Accidents or damage to a vehicle's windshield happen from time to time, and when that happens, it is essential to be aware and know the information of your car insurance to see how it can be paid for. Windshield claims, which fall under the area of comprehensive auto insurance, deals with damage to the windshield in the form of chips, cracks, or severely damaged windshields. If the driver carries comprehensive insurance (liability coverage only covers the cost of other vehicles/persons), the person is able to file a claim to entirely cover or partially cover the cost of a repair or replacement. This has to do with the deductible, and varies from policy to policy, and from state to state.

Before a claim is filed, however, it is important to consider a couple of things. First, you should identify what your insurance deductible is, and second, an auto glass quote should be obtained to see how much the cost of the repair is. These things need to consider in that the number of claims can sometimes elevate the customer's premium. Here is an example: Let's say that your auto glass deductible is $300, and after you obtain an auto glass quote to fix your windshield the total was $330. It is here that you will have to decide that filing a claim, in which the insurance company would pay $30, is worth having a claim on your auto insurance history.