• Is a Broken Windshield Covered Under my Auto Policy Deductible?

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    February 18, 2015 /  Glass Products

    Unfortunately, a broken or shattered windshield is not just a nuisance, it is also detrimental to the overall driving practices of the individual operating the vehicle since the glass through which the individual would otherwise be looking is damaged. This can make it more difficult for the person to drive, if not impossible. A broken windshield can be caused by a bird flying into the window, a rock or other piece of debris flying into the glass or from a car accident. Since some of these instances seem covered and others may not, many people are left with the troubling question of whether or not their specific broken windshield is covered under their auto insurance policy and their deductible. In general, this will vary from person to person depending on their individual insurance company and the amount of their deductibles. However, there are some specifics to look for in such an event.

    If you were in a car accident that was not your fault and the windshield was damaged, the windshield will be covered by the insurance of the other person. There would be no need for the money to come out of your auto policy deductible if the crash was not your fault. Unfortunately, if the other driver does not have insurance the cost of repairs may need to come out of your deductible, if that is possible. If you need new glass installed in your vehicle or home, contact a glass company in St. Paul MN that specializes in glass repair or replacement. While the United States requires that individuals have insurance on their vehicles before they are driven on the road, many people will ignore this law, which unfortunately has happened with almost any other law that has been put into place in this country. Sometimes there are people who just do not want to follow the law.

    In general, regardless of the situation being the individual’s fault or not, windshield damage will be covered by your auto policy if you have full coverage. Full coverage means that the individual has liability and comprehensive auto insurance. This also means that insurance coverage will pay for problems whether the situation resulting in the broken windshield is your fault or not. If a person has just liability insurance, this is when the insurance company will only pay for the damages caused by the insured person’s vehicle on the property that the driver damaged that is not their own, individual vehicle. Only with full coverage can an individual get this type of problem coverage.

    However, the amount of a person’s deductible will also play a factor into whether or not the person will need to pay out of pocket for the repair of a windshield. When a person gets an auto insurance policy, they determine their deductible. For most companies, these options include $250, $500, $750 and $1000 deductibles. Higher deductibles typically mean lower monthly payments, and this is left up to the individual. In most cases, the cost of replacing a windshield will be more than most of the deductibles, save potentially the $1000 deductible. When the deductible is lower than the overall cost of the windshield’s replacement or repair, the insurance policy will cover the cost of any amount in excess of the deductible.

    One great home improvement project is insulating. Windows and doors should all be weather-stripped. When you minimize the air flow in and out of your home, you can run your environmental and temperature controls with far better efficiency. This will save lots of money on energy costs in the long run.

    Most home basements are designed to let in very little natural light. This means the lights you install must be highly effective. If you are lucky, your basement walls may extend above ground level. You might be able to put windows in this area if this is the case.

    You might want to update the window treatments in your home, so that you can make it fit with the season. To make your ceilings look higher, place the drapes, curtain rods and valances on the wall that is above the windows. To get new windows, contact a glass company in St. Paul MN and discuss your vision with the professionals who work there.

    Replacing older windows with new ones can help to improve the look of a home while saving money. This home improvement project can be quite rewarding for those who choose to do it. Replacing any old or torn up window blinds with new ones, can greatly improve the looks around windows. Blinds can easily become bent or faded as time goes on. This can make the rooms in your home look bland, and new blinds can really improve a room’s look. As you know now, home improvement doesn’t have to be difficult or frightening. Not only do home improvement provide many benefits to your living space, some, such as replacement windows, can save you money in energy bills.

     

    Posted by jsweb @ 9:13 am

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