A cracked windshield is an inconvenience that many drivers face at some point in their vehicle's lifespan. Whether it's due to a flying rock on the highway or a stray baseball in the parking lot, windshield damage can compromise both the aesthetics and safety of your car. The burning question for many drivers facing this issue is, "Will insurance cover a cracked windshield?" Let's delve into this topic to shed light on how insurance typically handles windshield damage.

Understanding Coverage:

In the realm of auto insurance, coverage for windshield damage usually falls under the umbrella of comprehensive coverage. Comprehensive coverage, often referred to as "other than collision" coverage, protects against damage caused by events beyond your control, such as theft, vandalism, fire, or natural disasters. Since a cracked windshield typically results from such incidents, comprehensive coverage typically includes protection for windshield repair or replacement.

Deductibles and Coverage Limits:

Before rejoicing at the thought of insurance covering your cracked windshield, it's essential to consider deductibles and coverage limits. A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. The deductible for comprehensive coverage varies depending on your policy and insurer, so it's crucial to review your policy details. However some states like Florida, Arizona, South Carolina and more can actually waive your deductible for comprehensive.

Filing a Claim:

If you find yourself with a cracked windshield and comprehensive coverage, filing a claim with your insurance company is the next step. Here's a basic outline of what to expect:

1. Document the Damage: Take clear photos of the cracked windshield to document the extent of the damage. This documentation will serve as evidence when filing your insurance claim and may assist the repair technician in assessing the repair or replacement needs.

2. Contact Your Auto-Glass Shop: Either Contact Bang AutoGlass or your insurance company directly and let them know that you choose Bang AutoGlass as your shop of choice. They will take the same information the insurance company requires and help streamline the claims process for the customer.

3. Schedule Repairs: Once you contact either Bang AutoGlass or your insurance provider and answer a couple questions you're ready for installation. Replacements can be as soon as next day depending on which autoglass shop you choose.

4. No Deductible: In some states such as Arizona or Florida, your comprehensive deductible is waived. However if your insurance policy is from a different state you can always give us a call and we

Conclusion:

In summary, comprehensive coverage under your auto insurance policy typically includes protection for a cracked windshield. However, it's essential to consider deductibles and which autoglass shop you choose. By understanding your coverage and following the necessary steps, you can navigate the claims process smoothly and ensure that your windshield is repaired or replaced promptly. If you have any questions or concerns about your coverage, don't hesitate to reach out to your insurance provider for clarification and guidance.