If you own a vehicle, chances are you will have to deal with a chipped windshield at some point or another. Thus, auto glass replacement is something that a majority of drivers will have to consider at some point no matter what car they drive. What most people do not know though is that your insurance could handle the payments for windshield replacement. A common misconception is that the premiums would be too high and thus would simply not be worth the trouble. However, in most cases you will find that windshield replacement could be treated as a no fault claim, which means you can get cover for this without having your insurance premium rates raised. So, what do you need to know about insurance and auto glass St. Louis?
1. Will insurance cover the replacement of auto glass? If your car insurance is only limited to liability coverage, then your car insurance will not pay for this. Liability cover rarely encompasses windshield replacement thus you will find that you would have to settle the bill out of pocket. However, if you have a comprehensive cover, then the insurance company will foot the bill for auto glass replacement. However, the cost of the replacement would have to be cheaper than the deductible’s amount. Although high deductibles will typically reduce the amount of money that you pay in monthly premiums, it typically means that low cost repairs would have to be paid for by the driver. If the repairs will cost more than the deductible, then filing a claim will enable to save some money when it comes to replacement of auto glass St. Louis.
2. Will filing a claim for windshield replacement increase your insurance rates? Most people do not know that the answer to this is usually, “No”. Chipped windshields are typically treated as no fault claims. This is because it is rarely the driver’s fault that their windshield got chipped in the first place. However, there are a few exceptions that you would have to consider. For example, if your car got the chipped windshield while you were driving off-road, then chances are the fault will lie with you.
3. How do you go about filing a claim for replacement of auto glass St. Louis? You will find that most companies that deal with windshield replacement will be familiar with filing an insurance claim for this. In most cases, the company will get in touch with your insurance provider for you once you have requested for auto glass replacement. All the windshield repair company would need from you would be your insurance provider’s name as well as your policy number. This makes the entire process much easier for you.