A guide on windshield repair using auto insurance: Part 1

July 10th, 2015 by admin

One of the most common car repairs is addressing a chipped, cracked or even broken windshield. From a tiny rock to a fallen tree, your car is always at risk of having its windshield – one of its most important components – damaged or destroyed. We at Fundy Mutual want to give you a guide on how to fix this major issue without shelling out an arm and a leg.

Understand glass coverage

Damaged windshields and other glass such as windows or sunroofs will likely have to be paid for using your comprehensive coverage. However, if you happen to not have this optional coverage, you could be responsible for the repair costs.

Comprehensive coverage usually pays for damages from the following:

  • Storms (hail, a fallen tree, etc.)
  • Fire
  • Vandalism
  • Collisions with animals

Check with your insurer to find out if they provide all-inclusive windshield repair and/or replacement under your policy.

Your deductible

Compare the cost of repair or replacement with your comprehensive deductible amount before you file a claim. If your deductible is more than the estimated cost of repair, it's worth it to file the claim. First, ensure that your policy doesn't allow for glass replacement without you needing to pay the deductible. Your coverage will most likely be the more expensive of the two, but you'll save a bit on your deductible.

Effect on your premium

A claim for glass damage that didn't occur from a collision is unlikely to increase your automobile insurance rates, but this can vary company to company. Always think twice before filing a claim, especially if the repair cost is only a little bit more than your deductible.

Be confident that you're protected from both physical and financial harm with the most reliable car repair insurance in Saint John and its surrounding regions. Contact Fundy Mutual today for an affordable car insurance quote.