Imagine having a peaceful ride, only to suddenly hear a cracking sound. You get down, take a glance, and only to find a chip in your windshield. The next question that automatically comes to your mind is: Will my car insurance cover the front windshield?
The front windshield of your car is an important part as it protects the driver and passengers. Though made of sturdy material, windshield damage is common and unexpected. In cases like that, it is natural to wonder about the car insurance coverage for windshield damage. Well, here is what you need to know about it.
Is Windshield Damage Covered in Your Car Insurance?
The answer to the question depends on what type of car insurance policy you have. Here is how the windshield damage cover varies depending on the type of car insurance.
1. Comprehensive Car Insurance
A comprehensive car insurance policy covers any damage caused to your car's windshield, whether due to collision or non-collision. In addition to that, with comprehensive car insurance coverage, your vehicle is financially protected against several natural and man-made disasters.
2. Third-Party Liability
Third-party liability insurance is mandatory under the Motor Vehicle Act. However, this does not cover windshield damage; it only covers your liability to a third party.
3. Own Damage Insurance
This standalone own-damage insurance covers the financial costs of damage to your own vehicle. Typically, this includes coverage against windshield damage. However, make sure you consult your insurer about the same.
Deductibles During Filing a Windshield Claim
A deductible is the amount the policyholder must pay toward an incurred loss. After this, the insurer covers the remaining amount. You might have to pay a deductible while filing a windshield damage claim. This depends on the percentage you chose when you bought your policy.
Therefore, before you file a claim for windshield damage, compare your deductible cost with the replacement or repair costs and act accordingly.
What is Covered in Your Windshield Coverage?
A comprehensive car insurance policy covers your car's windshield damage. However, there might be some inclusions and exclusions. Your insurance will typically cover the damages caused by:
A collision with another vehicle.
Hitting the windscreen when parked or while driving.
Falling or colliding with a tree.
A collision with an animal.
Being hit with a pebble, stone, or debris.
Vandalism.
How to Make Your Claim Process Smooth?
While filing a claim for windshield damage, you might have to follow a detailed process. This includes notifying your insurer, assessing the damage, conducting an inspection, and completing the claim form.
Here are some easy and quick tips to ensure this claim process remains smooth and hassle-free for you.
In the event of windshield damage, immediately notify your insurer. Also, immediately click pictures of the damage.
Get the repair only after consulting your insurance provider.
Visit an authorised workshop, and repairs become easier. Generali Central offers cashless services at over 6500 garages.
Do not delay repairs. Windshield cracks spread fast.
If you want to know more about the claim process, read “ How to File a Car Insurance Claim.”
Over to You
A windshield crack may look like something minor at first. But it affects your safety, security, and the driver’s visibility. Thus, it is important to have the right car insurance. A comprehensive policy saves you from the unwanted headache.
So, next time you are struggling with a windshield issue, you know what to do and who to reach out to.
