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If you’re a driver in New Hampshire, you know that the roads here can be unforgiving. From slick winter roads to winding country lanes, you need to be prepared for anything. Unfortunately, that means you’re also more likely to experience damage to your car. One of the most common types of damage is a cracked windshield. While it may seem like a minor issue, a damaged windshield can lead to serious problems down the road. So, does insurance cover a cracked windshield? Let’s take a closer look.
When to Repair or Replace Your Cracked Windshield
The first thing to consider is whether your windshield can be repaired or needs to be replaced. In general, small chips and cracks that are less than six inches in length can be repaired. However, the location of the damage and the type of crack are also important factors to consider. If the damage is directly in the driver’s line of vision or if the crack extends all the way through the glass, replacement may be necessary.
Does Car Insurance Cover Windshield Replacement?
The good news is that many auto insurance policies cover windshield repair or replacement. Collision coverage will cover the cost of windshield replacement if the damage was caused by an accident. Comprehensive coverage will cover the cost of repairs if the damage was caused by something other than a collision, such as a rock hitting your windshield.
Do You Pay a Deductible for Auto Glass Repair?
Whether or not you will need to pay a deductible for auto glass repair depends on your policy. Some policies include “Full Glass” coverage, which means that there are no out-of-pocket costs for windshield repair or replacement. However, if you do need to pay a deductible, the amount will depend on the terms of your policy. For example, if your deductible is $500 and the cost of repairs is $1,000, you will be responsible for paying $500 and your insurance company will cover the remaining $500.
How to Get Car Insurance Coverage for Windshield Damage
If you don’t currently have auto glass coverage on your policy, you can add it for a relatively low cost. The average cost of adding this coverage to your policy is around $10-$15 per year. This small investment can save you hundreds of dollars in out-of-pocket costs if you ever need to have your windshield repaired or replaced.
Contact Portsmouth Atlantic Insurance and Hit the Road with Confidence!
At Portsmouth Atlantic Insurance, we’re here to help you find the right coverage for your needs. Our trusted advisors can answer all your questions and help you get the coverage that is right for you. Contact us today to get a quote for auto insurance and learn more about how we can help protect your vehicle and save you from unexpected out-of-pocket costs. Give us a call at 603-431-4020 or email us at email@example.com to get started.