That small rock chip in your windshield might seem like a minor annoyance, but it can quickly turn into a major expense if you don’t understand your auto insurance coverage. Drivers in South Kingstown, RI face plenty of road hazards that can damage their windshields, from construction debris to winter road treatments. Capalbo Insurance Group LLC wants you to know exactly how glass coverage works so you’re prepared when that inevitable chip or crack appears.
Understanding Your Glass Coverage Options
Most auto insurance policies handle glass damage through your comprehensive coverage, which means you’ll typically pay your comprehensive deductible. However, many insurers offer separate glass coverage with lower or even zero deductibles specifically for windshield repairs and replacements. Some policies distinguish between repairs and replacements, covering small chip repairs at no cost while applying the deductible to full windshield replacements.
When to Repair vs. Replace
The size and location of the damage usually dictates whether your windshield can be repaired or will need to be replaced. How extensive is the damage? Divots smaller than quarter-size and cracks shorter than about three inches can often be repaired without much trouble or expense. However, damage in the driver’s line of sight, near the edges of the windshield, or involving multiple affected areas typically requires full replacement. Quick action is crucial because small chips and cracks can spread rapidly due to temperature changes and road vibrations.
Filing Your Glass Claim
Most glass claims are straightforward and can often be handled directly with approved repair shops. Many insurers have partnerships with glass companies that streamline the process and may even offer mobile service at your location.
Don’t let windshield damage compromise your safety. Contact Capalbo Insurance Group LLC, serving South Kingstown, RI, to review your glass coverage options today.
