If you get a serious chip or crack then windshield replacement in Columbus, OH becomes an urgent matter. The windshield of your car takes some serious abuse; flying pebbles, debris falling from the truck ahead of you, hail and other storm damage, perhaps the kid next door popped a fly ball over the fence which landed on your windshield. There are dozens of possible causes for a broken windshield but, is it covered by your car insurance?
Comprehensive:
If you carry full comprehensive insurance for your vehicle then windshield replacement in Columbus, OH would be considered covered under this policy. If your car is quite new or it still has a lien on it then the chances are good that you do have comprehensive cover however the only real way to find out is to either call the agent or look at what’s covered in the policy documents.
Deductable:
It is very possible that your comprehensive policy has a deductable amount that you must pay before the insurance takes over. It is not necessary to have a deductable on your policy and many insurance companies offer full coverage policies, however, the premiums get progressively lower as the deductable gets progressively higher. Saying this, there are many insurance companies that write policies which have zero deductable for windshield replacement in Columbus, OH and a deductable that covers other claims.
Do not delay:
If you do find the smallest chip or crack in your windshield do not delay having it checked by a professional. It is thought that a chip that is in the driver’s line of vision or a crack longer than about six inches warrants a replacement of the windshield. If the chip is elsewhere or the crack is minimal, in many cases the damage can be repaired, but it is imperative that this is done quickly otherwise the damage can grow quickly. Most comprehensive insurance policies cover 100 percent of the cost of repair, there is no deductable assessed.
If you cannot pay immediately and you must put off the repair for a while you are risking a catastrophic break. In many cases, if a police officer spots the damage you will be given a ticket which only adds to your woes.
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