Does Auto Insurance Cover Your Windshield?

Here at The Owens Agency, LLC in Waldron, AR, one of the questions that we are often asked in relation to auto insurance is whether windshields are covered under an auto insurance policy. Here is a bit of information that you will want to know if you have this question. 

Windshields Are Included

Windshields are covered under your auto insurance policy. If a rock flies up and cracks your windshield or if it shatters due to a car accident, you can file an insurance claim and have the windshield repaired or replaced. However, many people are under the impression that they are not included as part of an auto insurance policy because often the cost of the deductible exceeds the cost of the windshield repair or replacement cost. In this case, it makes no sense to file an insurance claim, leading many to believe it is not covered. 

Windshields Can Have Their Own Deductibles

In some cases, windshields or auto glass has its own deductible. This deductible may apply specifically to your auto glass and is lower than your regular auto insurance deductible. This helps to make it easier for you to afford windshield repairs or replacement. If you are wondering if you have a separate deductible for auto glass, be sure to read your policy. If you do, it will be clearly stated. If you cannot find this information in the policy, it is because you likely do not have a separate deductible for auto glass or your windshield.

If you are in the market for a new auto insurance policy or are looking to price out policies with auto glass coverage, contact The Owens Agency, LLC in Waldron, AR today. We would love to put together a plan for you and provide you with an estimate. Contact us today to get started.