The biggest cause of vehicle glass damage, such as chips or cracks on the windshield, is road debris being kicked up by other vehicles. Rocks, pebbles, and other debris often come from large, double-tire trucks or vehicles that are hauling dirt or gravel.
Of course, stress cracks can also cause damage to your vehicle’s glass. Pressure changes and extreme temperature changes usually cause stress cracks. They are generally to blame when you cannot find a point of impact for a crack on your windshield.
Here are some other common scenarios that can lead to glass damage:
- Trailing other vehicles too closely
- Driving on the shoulder of the road
- Driving on dirt roads
- Driving too fast
- Driving in high-traffic areas (especially on highways)
What Should You Do if You Have Glass Damage or a Broken Windshield?
When you experience glass damage on your vehicle, it’s important to contact your insurance company right away.
Unlike other forms of vehicle damage, glass damage is often handled uniquely by insurance. For example, the occasional windshield replacement generally won’t hike up your insurance premiums. Still, keep in mind that this depends on your particular insurance policy. Moreover, if you continually make frequent claims for windshield repair or replacement, this may be factored into a premium hike over time.
Here are some other points to keep in mind when it comes to insurance and glass damage:
Comprehensive Coverage Should Take Care of Chips, Cracks, and Breaks
Your insurance policy’s Comprehensive Coverage should take care of all damage to glass on your vehicle. This is subject to your Comprehensive Coverage deductible.
Some Insurance Providers Offer “Full Glass Coverage”
You may have an insurance policy that offers “Full Glass Coverage.” If you do, your glass damage repair will be taken care of without a deductible or with a smaller deductible.
Things Change When Someone Else Is At-Fault
In some cases, someone else is at fault for your glass damage. If this is the case, their property damage liability insurance may cover the repairs. This is just one of the reasons why it’s important to know exactly what or who caused your glass damage.
Every Windshield Is Different and Will Cost a Different Amount to Repair
Several decades ago, most windshields were the same. Yes, they came in different sizes and shapes, but for the most part, you could expect a windshield replacement to cost around $150.
Today, the cost of windshield replacements is rising because windshields tend to have more technology within them. For example, some windshields have sensors in them to detect rain, snow, and ice. These sensors will tell the car when to turn the windshield wipers on. When this is the case, a windshield replacement will be much more expensive — even around $1200 to $1500, depending on the make, model, and year of your car.
Repairing a Windshield (Instead of Replacing It) Is Often Possible
If you have an expensive windshield or simply don’t want to pay your deductible for a replacement, glass repair may be a good option. In fact, many small chips can be repaired. The chip simply needs to be cleaned and filled with resin by a professional. Keep in mind that many companies may waive your deductible if the chip can be repaired.
Talk to the Auto Insurance Experts
Have questions about vehicle glass damage or auto insurance in general? Brian Van De Hey Insurance can help you find a new auto insurance plan or answer any questions you may have about your current policy. Give our office a call today, or feel free to stop in at your convenience.