Liability car insurance does not pay for windshield replacements. However, there are several ways to help cover the costs related to this replacement.
What To Know About Liability Car Insurance
The concept of liability insurance is to protect drivers financially if they are proved to be at fault in a car accident. Liability coverage is in place to take care of expenses related to either injuries or damages you caused to others or their property.
Covered costs include making up for lost wages, bodily injury, legal fees, and medical bills for anyone impacted by the accident where you were at fault. Property liability covers any repairs or replacements caused by the incident. Anything from a vehicle to a fence could be covered under this policy.
Does Liability Insurance Cover A Windshield Replacement?
Comprehensive coverage often covers windshield repairs and replacements. When a windshield becomes damaged, a deductible typically applies to this claim. This means the driver is responsible for making an upfront payment prior to coverage by the insurer.
Some policies have add-ons available, including both “zero deductible glass coverage” and “full glass coverage”, for example. Insurers always prefer covering small windshield repairs over a full replacement. Many providers will cover costs of small repairs without a deductible. Drivers are encouraged to act immediately when filing a claim in order to avoid costly repairs/replacements in the future.
Filing A Claim
There are a few required steps to filing a claim with either specific glass coverage or comprehensive coverage. Contacting your provider as soon as the damage occurs is step number one.
Most insurers offer a few possible ways to make a claim, which can be done over the phone, through mobile apps, or online portals. When filing a claim, make sure to include your insurance policy number, date/time of the incident, and a thorough description of how the damage occurred.
Drivers must also report their vehicle’s make, model, year, and location of the damage to the vehicle. Auto repair shops can typically bill your insurance company directly for any repair/replacement expenses.
Heath’s Auto Service in Prescott, AZ
The team at Heath’s Auto Service in Prescott, AZ would be happy to help with all of your automotive service needs!
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!