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Vacaville Glass Replacement | We Accept Policy Insurance
What’s Your Comprehensive Insurance Deductible?
Your comprehensive auto insurance has what’s called a “deductible”—the amount you have to pay before insurance kicks in. To lower your premiums, you can bump your deductible up to $1000. In general terms, that means that if you make an insurance claim on your damaged vehicle, and the repairs are $1500, you pay $1000 and your insurance pays $500. Obviously, if your comprehensive deductible is $1000, it won’t pay for a windshield replacement. But if you deductible is lower, such as $100, it could certainly help.
Vacaville Glass Replacement | We Accept Policy Insurance
So if you need a new windshield and it’s going to cost you $350, if your comprehensive deductible is $100, it will only cost you $100 if you go through insurance. Of course, if your deductible is $500, insurance can’t help you pay for a $350 windshield. If you don’t remember what your comprehensive deductible is, take a look at your policy. Make sure you’re looking at the comprehensive deductible rather than the collision deductible-they’re two different things.
Windshield Replacement—A No-Fault Claim
Many people don’t want to make an insurance claim for auto glass replacement, as they’re afraid their rates will go up. A cracked windshield, however, is usually not your fault. It’s what the insurance companies call a “no-fault” claim, and as such won’t raise your premiums. It does depend on how your car window was damaged and which insurance company and kind of policy you have.