If you drive regularly you are bound to get a couple of rocks kicked up at you while on the road. Most will bounce off or chip your windshield but every-so-often a slugger will put a big crack in your glass. This can be a huge out-of-pocket expense if you don’t have glass coverage added to your car insurance policy. Without replacement, you are running the risk of getting a pricey traffic ticket, then you will have to pay for a windshield AND the ticket!
Paying an extra $3 a month to add glass coverage to your insurance policy sounds like another insurance rip-off. It’s not required by law so why pay more to cover something that doesn’t happen that often? Because you can triple your annual investment if it gets cracked and obviously you get a free windshield!
First, you must add glass coverage to your current insurance policy prior to your windshield becoming damaged. Your coverage should kick in after 1-3 months of purchase. Then if you get a chip or a small crack you can get it repaired for free or fully reimbursed depending on your location and auto insurance company.
For cracks over a certain threshold between 3-6 inches you must get your windshield replaced. Not only to avoid a ticket but also because it can obstruct your view and affects the stability of your airbag deployment system, pop out and/or injure you.
The good news is you’re covered now so you won’t have to pay anything to get this done. The better news is that there are dozens of companies that will offer you a cash rebate to replace your windshield. You can get $80 to $150 in cash once completed before you leave the building!
Before contacting your insurance company check out the local auto glass shops near you to find the best deal. Beware of fraudulent companies for mishandling or repeating claims and check out the business reviews thoroughly prior to giving them any of your information.
Once you’ve found a reputable shop your insurance company will want to have someone come out and inspect the crack on your windshield. You will schedule an appointment with them within the next few days. The process does not take long they will simply measure the crack and take a few pictures. By the following day, your claim will be filed and given the green light to replace the windshield at the shop you’ve selected. Just make your appointment and when they come back to hand you your keys they will also hand you $150 in cash! No waiting for a check to come in the mail – you’re all set to go!
It is important to note that there are limitations on coverage based on how it became cracked in the first place. Review your policy for clarification on accidental roadway damage versus intentional damage by an individual.
This is one of the few ways you can get some money back from those insurance bandits who nickel and dime your coverage while raising your premiums every micro-step of the way. Don’t miss out on this one and get some of your money back!