Can my automobile insurance company replace my broken/cracked windshield?

Question

I heard that your insurance company will replace your windshield if it gets hit. For example, what if the windshield is hit by a rock and makes a crack, will they replace it? I also heard that it will be free and it won't increase the price of my insurance policy. Are all of these true?

Answer 1

maybe

Answer 2

it depends what insurance you have if your have fully comp they will yes  if you only third party then no

Answer 3

It depends on the terms of your policy, and how the window was brokend/cracked.  Typcially these type claims do not impact your rate.

I always recommend that people purchase insurance locally through an independent agent, as they will educate and help you on these types of things.  The best way to do this is to get a quote online using a company like http://www.2insure4less.com/?s=233450 or http://www.netquote.com.

You should get a number of calls from local agents who can not only help you save money, but can also answer these type of questions as opposed to calling an 800 number and India.

Good luck!

Answer 4

For the most part you are correct in all areas.

Answer 5

First of all it depends on your state.  

If your state law provides free windshield replacements...

You only get it for free IF you carry comprehensive coverage on your policy.

It wont likely affect your rates but there is not law saying it cant.

Answer 6

You need to call your insurance company or read your policy. Every company is different, and it depends what level of coverage you have. It has nothing to do with what state you're in. The minimum liability insurance that you are required to have does not cover it. Many "full coverage" plans do cover it, and the deductible will vary based on your policy. It will probably only be free if its reparable, and you'll have a deductible if it needs to be replaced.

I had this once while I was driving my dad's car. It was lucky that I was in my dad's car because his insurance covered it. I just called the insurance claims line and they told me the closest repair shop and set an appointment for me. It was a $100 deductible, and it did not affect the rates at all.

Answer 7

you need to read YOUR policy.

My policy covers it like any other incident: I get reimbursed for the windshield replacement cost that exceeds my deductible.

Answer 8

I wish my experience is helpful for you.Here is the good resource.

http://insurance.online-assistant.info/i...

Answer 9

Depends on your insurance company. I have State Farm and glass replacement is a part of the policy. They even covered a vent window that I admitted I broke while locked out. My deductable was not a part of the repair, it cost me nothing.