Maybe a rogue rock from the freeway cracked your windshield, or your windows were damaged in a crash or break-in. Whatever the case may be, it can give you peace of mind knowing if your insurance policy covers glass damage.
how your policy can offer protection
Your car's windshield needs to withstand a lot — falling objects as you're driving, vandals, and more.
But sometimes, whether it's pebbles that pop up on the roadway or you suffer a break-in, your ride's glass can be damaged. If your car has a cracked or broken windshield or windows, your auto insurance can help cover the costs of repairs or replacement depending on the type of coverage you have on your policy.
Comprehensive coverage: for damage that's out of your control
Your car insurance policy can be customized to protect you from all sorts of hazards, including those that can damage your windshield. Comprehensive coverage, which is optional unless required by a loan or leasing company, can help pay for incidents you didn't predict — vandalism, falling objects like tree branches, unruly weather that damages your ride, an auto fire, a run-in with an animal, or even just a stray rock.
Should you have to make a claim for any of these things and you carry comprehensive coverage on your car insurance, your policy can kick in to help pay for any glass-related damage (on top of other covered damages).
Collision coverage: for damage caused by crashes
If you cause an accident that results in damage to your ride, including its glass, you'll need to carry collision coverage on your auto insurance if you want your policy to help pay for repair or replacement costs (after you pay your collision deductible). Otherwise, you face paying all damages out of your own wallet.
Coverage for damage caused by other drivers
In the unfortunate event that someone else hits you, their car insurance policy's property damage liability coverage should step in to pay for your car's repairs.
If the at-fault driver doesn't have enough liability coverage (or any auto insurance at all) to pay for your accident-related expenses, uninsured/underinsured motorist property damage coverage on your own policy could step in to financially protect you from paying repair costs on your own. Though the coverage usually provides a degree of financial protection in the event of a crash, your collision coverage (should you carry it) could step in once your uninsured motorist coverage is maxed out.
In some states, uninsured (and/or underinsured) motorist coverage is required, while other states make it an optional add-on. If you're an Esurance policyholder and have questions about your car coverages, feel free to give us a ring at 1-800-ESURANCE (1-800-378-7262) or check out your state's coverage requirements.
deductibles: are claims on auto glass repairs worth it?
Your car insurance deductible is essentially the amount you choose to pay out of pocket before your car insurance begins paying out on a claim. When you carry comprehensive on your policy, you generally choose a deductible for this coverage. The higher the deductible you choose, the lower your auto insurance premiums will be (but you're financially responsible for a larger amount in the event of a claim).
Say you choose a $500 deductible on your comprehensive coverage. Then while you're at the movies, a thief smashes your window, causing $250 worth of damage. Since you'd have to shell out $500 before your policy starts paying, the majority or all of the repair costs would come out of your pocket (unless your policy doesn't have a glass damage deductible).
But if a falling tree branch busts out all the windows in your ride, for example, and causes $1,500 worth of damage, it's worth paying your $500 comprehensive deductible so that your insurer covers the other $1,000.
Many people opt for lower comprehensive deductibles like $100 or $250 so they're less likely to be monetarily responsible for car repairs if life takes a turn for the worse.
Since comprehensive (and therefore glass) coverage varies from state to state, it's wise to speak to a licensed agent about exactly what your insurance entails — including whether you'd have to pay a deductible for glass damage at all.
Some companies, including Esurance, don't charge you when you carry comprehensive coverage on your policy and you simply need to file a claim for a glass chip or minor windshield repair. If you need any major repairs or glass replacement (like a new windshield), on the other hand, you may be responsible for your deductible.
get guaranteed repairs at one of our e-star® shops
If you're an Esurance customer and need to get glass repairs (or any other covered repairs), you can take advantage of our reliable network of garages around the country that offer guaranteed repairs for the entire time you own your car.
You can easily locate an E-star repair shop in your neighborhood simply by entering your ZIP Code. Plus, you can track your ride's progress in the shop with our innovative RepairView® technology, which provides you with daily photos of your beloved road warrior.
Glass and windshield claims
If you're an Esurance customer, filing a glass or windshield claim is easy.
Does "full coverage" cover it all?
Learn more about what "full coverage" actually means, and see if comprehensive and collision coverages may be a good fit for your policy.
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