Is a Broken Windshield Covered Under my Auto Policy Deductible
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Is a Broken Windshield Covered Under My Auto Insurance Deductible?
A shattered windshield isn’t just an annoyance?"it can severely affect your ability to drive safely. Whether caused by a bird, a rock, or a car accident, a damaged windshield can make driving difficult, if not impossible. A common question arises: Is my broken windshield covered under my auto insurance policy and deductible? The answer depends on your specific insurance coverage and details. Here's what you need to know.
Coverage in Accidents
If your windshield is damaged in an accident that wasn’t your fault, the repair costs are generally covered by the at-fault driver’s insurance. You won’t need to dip into your deductible if the other driver is insured. However, if the at-fault driver is uninsured, you might need to rely on your own coverage, which may include paying your deductible.
Despite legal requirements, some drivers still operate vehicles without insurance. If you're dealing with an uninsured driver, the costs might fall to you, unless your policy includes uninsured motorist coverage.
Full Coverage Benefits
Windshield damage, regardless of fault, is often covered if you have full coverage insurance. Full coverage typically includes both liability and comprehensive insurance, paying for damages whether you’re at fault or not. However, if you only have liability insurance, it will only cover damages you cause to others, not to your own vehicle. To cover your own damages like a broken windshield, full coverage is essential.
Deductibles and Costs
Your deductible plays a crucial role in determining your out-of-pocket expenses. When you choose an auto insurance policy, you select a deductible amount, often ranging from $250 to $1,000. A higher deductible usually means lower monthly premiums, but you'll pay more out-of-pocket when making a claim.
In most instances, the cost to replace a windshield exceeds typical deductibles, except possibly a $1,000 deductible. If your deductible is less than the cost of repairs, your insurance will cover expenses beyond the deductible amount.
Conclusion
Understanding your auto insurance policy can help you navigate unexpected situations like a broken windshield. Full coverage can offer peace of mind, covering damages regardless of fault, but your deductible will determine your immediate cost. Always review your policy details to ensure you’re adequately protected.
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