Is My Windshield Covered by Insurance?

Replacing your cracked windshield in Pittsburgh.

Cracked windshields are dangerous. And while it may not have cracked because of something you did, it is your responsibility to get it repaired or replaced. Many car and truck owners wait until the bitter end to correct a cracked windshield due to the cost, but the windshield experts at Three Rivers Auto Glass are explaining how Comprehensive insurance may help cover some of the replacement cost.

This month we’re going to take a deep dive into the world of Comprehensive insurance, deductibles, and premiums.

What is Comprehensive insurance?

Comprehensive insurance is the part of your auto insurance policy that covers the repair or replacements of parts of your vehicle that are damaged due to incidents other than a vehicular collision.

1.  VandalismWindshield Replacement Pittsburgh

2.  Theft

3.  Falling objects

4.  Fire

5.  Animal impact

6.  Storms

When something of the sort renders damage to your windshield, the Comprehensive portion of your insurance coverage should help you cover the repairs. We must note, you must purchase Comprehensive insurance as part of your overall policy in order to utilize it.

What is a Deductible?

Insurance deductibles can be a bit confusing to some, but we’ll try to simplify it. Your insurance deductible is the amount of money you pay out-of-pocket and upfront. Once you pay that amount, that’s when your insurance kicks in and covers the rest.

Do I Want a High or Low Deductible

It makes sense that you’d want to shell out the least amount of cash upfront, say $50 or $100, since you’re paying for insurance, right? However, with a lower deductible comes a higher premium – what you’re paying per month or annually, to have your policy. On the contrary, if you have a $500 deductible, your insurance premium, your monthly or annual dues, will be lower.

A good way to look at this is as follows: If you have a $500 deductible, but you have an average car you may end up covering the total of a cracked windshield because it may only cost a few hundred bucks. However, if you have a high-end vehicle the windshield may cost much more to repair, thus your comprehensive insurance will kick in once you’ve paid the $500 deductible.

When it comes down to a deductible, the higher the deductible the lower the premium and vice versa. When deciding on the type of coverage and deductible you choose, you may also want to consider where you live. Do you live in the city, where cars are more prone to break-ins, vandalism or theft? Do you park outside on a tree-lined street where storms frequently down trees, wreaking havoc on your neighbor’s cars? Do you live in the country-side where you cross paths with a lot of deer on the road or where rocks kick up every time you drive all those back-country twists and turns?

It’s all in what you can afford and what you want to pay.

Is the Vehicle a Rental Car?

Upon discovering a cracked windshield in your rental car, it is important to inform the rental company so they can look into its coverage and make sure any necessary repairs are made quickly. It is essential not to try repairing the damaged glass yourself as this may void any existing insurance you have on the vehicle. Ultimately, when faced with a cracked windshield in your rental car, make sure you take the proper steps to ensure it is covered and repaired efficiently.

Use An Expert Pittsburgh Windshield Repair Company

If you have a cracked windshield, Pittsburgh window replacement experts at Three Rivers Auto Glass will get you back on the road in no time. We can come to your home or work and you can hit the road in about an hour!

We’ll also work with your insurance, taking the hassle out the confusion.

Better yet, we have six locations in the Greater Pittsburgh area! Call Three Rivers Auto Glass for all your cracked windshield, repair, and replacements needs, 412-793-5400 or 724-385-8204.

Denny Toth