Chipped windshield?

chipped-windshield-granadeWe receive many calls from our customers regarding chipped or cracked windshields on their vehicles. Usually this is due to a rock or some object from the road finding its way to your windshield while you are driving down the road. This is a good time to check and see if you have comprehensive coverage on that vehicle. What many people don’t know is that if you do have comprehensive coverage, many companies will repair your chipped windshield without you having to pay anything, not even a deductible. You want to make sure to call your agent as soon as you realize your windshield is damaged. If you don’t and the windshield becomes a larger crack, it may not be repairable anymore and may require a full windshield replacement. In this case, you will be responsible for paying your deductible, which in many cases is more than the cost of the entire windshield. Have you heard of ‘Full Glass‘ coverage? Your agent may have an option for this, as well.

Late last year we had a customer call that had two chips in their windshield that needed to be repaired at the same time. They did not have ‘Full Glass’ coverage at the time, so it was good that they called and got them repaired before the damage could get worse. Changes in weather may also cause a chip in your windshield to turn into a full replacement, as the chip can get worse and start to crack even more over time. Keep in mind that many chips in a windshield can be hard to see, so it is a good idea to look at your entire windshield from time to time to make sure there is no damage.

These chipped windshield occurrences happen more often than some people may think and we file claims fairly often for this. Some insurance companies offer some type of ‘Full Glass’ coverage so that whether your windshield is just chipped or even if it is severely damaged and needs to be replaced, your insurance will either pay for the full repair/replacement or may have a very small deductible so that you don’t have to pay for the entire repair. This is a good option for someone who travels a lot or someone that just wants that extra peace of mind. A windshield can be expensive to replace, so ask your agent for a quote on ‘Full Glass’ coverage.

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