After your windshield has become damaged, you may have it fully replaced by a technician and finance the repairs through your insurance provider. Your windshield replacement must first be covered under your auto insurance provider. While most of the cost of replacing the windshield is covered by an insurance provider, you may need to pay a deductible. However, there are some circumstances where you may have the deductible waived.
Reducing Your Deductible
Even if you're not able to have your deductible waived, you can typically have it reduced by paying a higher insurance premium. While the higher premium may be a hassle, you'll have the peace of mind knowing that you won't be expected to pay higher rates if your windshield is destroyed.
It can generally be unsafe to drive without a windshield because you'll have no protection from any rocks kicked up by other vehicles or bugs flying into your car at a high speed. Windshields are also important because they provide support for your car frame when your car is rolling over. You'll be more likely to be crushed in your car if you don't have a windshield.
Some states are referred to as no-deductible states. Some states waive deductibles to encourage motorists not to drive without a windshield. You will generally need comprehensive insurance to cover the cost of the windshield replacement.
In this case, you won't have to worry about paying a deductible for having your windshield replaced. However, if you're not from a non-deductible state, you may need to work on having your deductible waived.
States That Require Deductibles
If another driver is at fault for the accident, you won't have to pay the deductible. However, if you were responsible for the accident, you'll need comprehensive insurance to have your windshield damage paid for. Make sure to check your policy to determine if the deductible is waived for windshield damage.
Some car repair companies will inflate the cost of repairing or replacing a windshield to allow them to pay down the deductible. However, this is rarely offered by auto glass replacement companies.
Generally, it's a good idea to have money set aside specifically for paying for a deductible. That way, you'll always have money set aside when you have an accident and must pay for part of your auto repair. However, even with money set aside, you may have a string of bad luck and being able to have the deductible waived is useful.
For more information about auto glass replacement, contact a glass specialist near you.