Windshield Replacement Insurance Enhances Safe Driving


Windshield replacement or repair is critical because windshields facilitate safe driving, and they are the top restraint system in any automobile. People tend to take that function for granted, but windshields protect against wind and debris while traveling. Modern airbags utilize windshields as support for their cushioning effect in car crashes. If windshields pop out in an accident, passengers or drivers could be ejected or crushed, so consumers should choose care in selecting an auto glass company.

The term OEM is an acronym for Original Equipment Manufacturer. OEM auto glass meets manufacturers specifications and tolerances for quality and safety. When the glass company installs OEM auto glass correctly, the result is a seamless fit that minimizes air and water leaks. Proper windshield replacement causes auto interiors to resist window fogging, interior ice, and loss of heat or cool air. Most people have suffered the annoying effects of windshields that have leaks, without realizing the ultimate cause. Repair of small cracks can extend the life of a windshield, and auto glass companies cheerfully supply price quotes for repairs.

Windshield replacement or repair insurance is a good idea, because windshields provide essential protection and comfort for routine driving. Most insurance companies offer auto glass insurance as an option, with varying deductibles. Consumers can ask for price quotes for this protection. Prices of windshield replacement or repair range from $20-$350 from most auto glass companies. Small chips and cracks the size of a silver dollar or smaller can be repaired if they are not in the driver’s line of sight, and price quotes peg the cost of most repairs at $20-$65. Insurance companies recommend windshield replacement for cracks that impede driver vision.

The real question is whether to make a claim on an inexpensive repair, because many drivers fear these claims will increase their monthly premiums. Windshield replacement by a qualified glass company is a win-win for consumers, however. By law, insurance rates are part of comprehensive insurance claims that assign no fault, and repairing or replacing damaged windshields cannot be cited for premium increases. No matter how many windshield replacement claims are made, insurance rates will not rise. Policy holders can breathe a sigh of relief and arrange auto glass repair for any nicks or scratches. If only insurance companies provided paperwork insurance, then the claims process would be even simpler.

Here is another benefit many consumers did not expect-a professional glass company often helps consumers file their insurance claims. Some auto glass companies offer to pay the deductible, take the customer to dinner, and baby sit the kids. Beware of a glass company offer that sounds too good to be true. These kinds of offers almost always indicate that sleazy practices or shoddy workmanship are employed. The insurance industry carefully monitors the cost auto glass companies charge for windshield replacement.

Deductibles are the only potential downside for repairing auto glass. Drivers living in Florida, Massachusetts, Kentucky or South Carolina are free of this concern. Those states have laws that require insurance companies to pay the full cost of windshield replacement without deductibles. Florida and Massachusetts limit the regulation to windshields only. Kentucky and South Carolina require full restitution for any auto glass claim.

Auto glass insurance is an amazing benefit, and many drivers fail to appreciate how easy repairing their glass can be. A glass company that provides insurance claims assistance will take the insurance information. They may or may not require drivers to confirm the arrangement by phone. The windshield replacement company takes care of all the details such as billing and paperwork. Drivers can then focus on finding their own baby sitters and making dinner arrangements.

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