Liability car insurance will not cover windshield replacements. Thankfully, there are several different ways that drivers can get assistance with the cost of this replacement.
What Is Liability Car Insurance?
Liability insurance is designed to protect drivers financially in the event they are proved to be at fault in an accident. The purpose of this insurance type is to cover the expenses related to damages or injuries you may have caused to other drivers or to their property.
The covered expenses by liability insurance can make up for any lost wages, bodily injuries, or medical bills for anyone impacted by the car accident that was proven to be your fault. Property liability is in place to provide coverage for any repairs/replacements needed as a result of the accident. This means anything from a car to a fence could be covered with this policy.
Will Liability Insurance Cover Windshield Replacements?
Comprehensive coverage often helps cover windshield repairs and replacements. A deductible will usually apply to a claim when a windshield becomes damaged. This simply means the driver must make an upfront payment prior to coverage by the insurer.
Some policies can feature available add-ons, which includes both “zero deductible glass coverage” and “full glass coverage”, for example. Insurers will always prefer covering small repairs as opposed to full windshield replacements. Drivers must always act immediately when filing windshield claims.
How To File A Claim
The first step, as previously mentioned, is for drivers to contact their provider as soon as possible after windshield damage has occurred. The majority of insurers will allow you to file a claim online, via phone, or through mobile apps. When filing the claim, ensure your insurance policy number, date and time of the accident, and a detailed description of the incident are included.
Drivers must also report their vehicle’s make, model, year, and exact location of said damage to the windshield. In most cases, auto repair shops will directly bill your insurance to handle the repair/replacement costs.
Heath’s Auto Service In Prescott, AZ
At Heath’s Auto Service, we take pride in being your one-stop destination for full-service auto and truck repair in Prescott, AZ. Our team of skilled technicians possesses a wealth of experience and knowledge, allowing us to confidently handle domestic, Asian, and European vehicles with precision and expertise. Contact our team today!