Your windshield is a crucial safety feature of your car, but it’s also one of the most susceptible to damage. From flying debris to unexpected weather, windshield damage can occur in an instant. If you’re wondering what types of damage your auto insurance will cover, Allen & Associates Insurance Inc. in Albany, OR, is here to help you understand your options.
Chips and Cracks
Small chips and cracks are some of the most common types of windshield damage, and fortunately, they’re often covered by comprehensive auto insurance. If a rock or piece of debris hits your windshield while driving, your comprehensive coverage can typically handle the repair or replacement costs. Remember that insurance companies prefer you to address these minor damages promptly, as neglecting them could lead to larger cracks that are more costly to fix.
Full Windshield Replacement
If the damage is so severe that your windshield can’t be safely repaired, your insurance may cover a full replacement. This is especially true if the crack obstructs your view while driving or compromises the structural integrity of your car. Comprehensive coverage is usually the key here, so reviewing your policy to ensure you have this type of protection is wise.
Damage from Weather or Vandalism
Comprehensive insurance also typically covers windshield damage caused by storms, hail, or vandalism. However, liability-only policies won’t help in these situations, so upgrading your coverage is worth considering if you want added peace of mind.
At Allen & Associates Insurance Inc. in Albany, OR, we’re committed to helping you find the right auto insurance to protect you from life’s surprises. Contact us today to learn more about your options!