Is a broken windshield deductible under my auto policy?

Is a broken windshield deductible under my auto policy?

Unfortunately, a broken or broken windshield is not only a nuisance. But it is also detrimental to the overall driving practices of the person driving it because the glass through which the person would otherwise appear is damaged. It can make driving more difficult for a person if it is not impossible. A bird flying over a broken windshield window, a rock, or another piece of debris can be blown into a glass or caused by a car accident. While some of these examples seem to be covered and others may not. Many are left with the worrying question of whether their specific broken windshields are covered under their auto insurance policy and whether they are deductible. In general, this will vary from person to person depending on their personal insurance company and their deductible amount. However, there are some specifics to look for in such an event.

If you were in a car accident that was not your fault and the windshield was damaged. The windshield will be covered by another person’s insurance. If the crash was not your fault then deductible money would not need to come out of your auto policy. Unfortunately, the cost of repairs may need to come out of your deductible if the other driver does not have insurance, if possible. While the United States requires individuals to insure their vehicles before driving on the road, many will ignore this law. Which unfortunately has happened with almost any other law in force in this country. Sometimes there are people who just don’t want to follow the law.

Generally, regardless of whether the situation is the fault of the person or not. If you have full coverage the windshield damage will be covered by your auto policy. Full coverage means the person has liability and comprehensive auto insurance. This also means that insurance coverage will pay for problems whether the situation resulting in a broken windshield is your fault or not. If a person only has liability insurance. It happens when the insurance company only pays for the damage to the insured person’s vehicle. On the property that harms the driver who is not his own, personal vehicle. Only with full coverage can a person get coverage of this type of problem.

However, the deductible amount of the person will also play a factor in whether the person will need to pay out of pocket for the repair of the windshield. When a person obtains an auto insurance policy, they determine their deductible. For most companies, these options include $ 250, $ 500, $ 750 and $ 1000 deductibles. Higher deductions usually result in lower monthly payments, and this is left to the individual. In most cases, the cost of replacing the windshield will be higher than most deductibles. Potentially saving a deductible of $ 1000. When the deductible is less than the total cost of replacement or repair of the windshield. The insurance policy will cover any amount more than the deductible.