Unfortunately, a broken or shattered windshield is not just a
nuisance, it is also detrimental to the overall driving
conditions since the glass is damaged.
This can make it more difficult for the person to drive, if not
impossible.
A broken windshield can be caused by a bird flying into
the window, a rock or other piece of debris flying into the glass
or from a car accident.
Since some of these instances seem covered by insurance and others
may not, many people are left with the troubling question of
whether or not their specific broken windshield is covered under
their auto insurance policy and their deductible.
In general, this will vary from person to person depending on their
individual insurance company and the amount of their deductibles.
However, there are some specifics to look for in such an event.
If you were in a car accident that was not your fault and the
windshield was damaged, the windshield will be covered by the
insurance of the other person.
There would be no need for the money to come out of your auto
policy deductible if the crash was not your fault.
Unfortunately, if the other driver does not have
insurance the cost of repairs may need to come out of your
deductible, if that is possible.
While California requires that individuals have insurance on
their vehicles before they are driven on the road, many people will
ignore this law, which unfortunately has happened with almost any
other law that has been put into place in this country. Sometimes
there are people who just do not want to follow the law.
In general, regardless of the situation being the individual’s
fault or not, windshield damage will be covered by your auto policy
if you have full coverage. Full coverage means that the individual
has liability and comprehensive auto insurance.
This also means that insurance coverage will pay for problems
whether the situation resulting in the broken windshield is your
fault or not.
If a person has just liability insurance, this is when the insurance
company will only pay for the damages caused by the insured
person’s vehicle on the property that the driver damaged that is
not their own, individual vehicle. Only with full coverage can an
individual get this type of problem coverage.
However, the amount of a person’s deductible will also play a
factor into whether or not the person will need to pay out of
pocket for the repair of a windshield.
When a person gets an auto insurance policy, they determine their
deductible. For most companies, these options include $250, $500,
$750 and $1000 deductibles. Higher deductibles typically mean lower
monthly payments, and this is left up to the individual.
In most cases, the cost of replacing a windshield will be more than
most of the deductibles, save potentially the $1000 deductible. When the
deductible is lower than the overall cost of the windshield’s
replacement or repair, the insurance policy will cover the cost of
any amount in excess of the deductible.
Sacramento windshield replacement
