If you have comprehensive coverage, a cracked windshield is an easy fix…

One of the most common auto insurance claims we hear about from our customers is that they have a cracked windshield and want to know how to go about getting it fixed. The cliched baseball through the window isn’t too common, but a random pebble colliding with your car while driving on the highway happens all the time.  If you carry comprehensive insurance and you have a damaged windshield, then you are most likely in for some good news.

Typically, there is no applicable deductible to replace a broken windshield. Many insurance companies offer an optional deductible for glass losses, but at our agency we choose not to write this coverage with our auto policies. It may save a couple of dollars up front, but broken windshields are so common we really don’t think it is a good idea. A glass claim will not result in a surcharge on your insurance.

So the good news is, unless you have specifically chosen a glass deductible with your collision coverage, it won’t cost you anything to get your winshield fixed. All you have to do is check with your agent to make sure you have comprehensive coverage. They can recommend a place to get your window fixed, and many places will come to you to fix the problem. All you have to do is choose a glass company and give them your agent’s phone #. How easy is that?