Broken windshields are just like any other accident or auto damage. If you know what causes them, you can take steps to avoid them. However, accidents are never completely avoidable. Keep reading to learn more about how to prevent windshield damage and what you can do if your windshield is damaged.
What Causes Windshield Damage?
Windshield damage comes from a number of sources. Here are some of the most common.
- Unpaved roads. Unpaved roads aren’t all dirt. Rocks and gravel can be picked up by the car driving in front of you. To avoid this type of damage, maintain a reasonable speed, and keep well behind other cars.
- Construction trucks. Construction trucks are supposed to secure their loads so rocks and other debris can’t fly out, but they rarely do so perfectly. Despite the signs on these trucks that say otherwise, they are responsible for the damage they cause. However, the hassle of proving it, getting reimbursed, and getting your car fixed is something you want to avoid. Keep well behind these trucks until it’s safe to change lanes and pass them.
- Weather. Sunlight and temperature changes can cause your glass to expand and contract. Under normal circumstances, you won’t even notice this. However, if you’ve picked up a small chip that you may not have even noticed, the expansion and contraction can expand the damage until there’s a large crack. If you notice even minor damage to your windshield, get it filled in before it has a chance to grow.
- Nuts, Branches, Hail, and Other Falling Objects. If you’re out in the open during a hail storm, under a tree when nuts or branches fall, or near a neighboring building when someone drops something, you may be unlucky enough to have something fall directly onto your windshield. Be smart about where you park especially when high winds or storms are expected.
How Much Does a Windshield Replacement Cost?
A windshield replacement varies from $150 to $1,500 or more. The price varies based on the size of your windshield, how common your model of car is, and whether your windshield contains sensors or other technology.
Since there is no way to maintain the integrity of your glass and your visibility when repairing cracks, there isn’t a cheaper option to repair your windshield for anything more than the smallest of chips.
Does Insurance Cover Glass Damage?
The good news is that your car insurance policy likely covers glass damage. If you have comprehensive coverage, your claim should fall under that portion of your policy. Your only loss would be the amount of your deductible.
Many insurance providers offer full glass coverage as well. Full glass coverage covers windshield replacements with no deductible or a lower deductible. Full glass coverage may be a standard feature of your basic policy, or you may need to add it on for a small additional premium.
Get Help from Your Insurance Agent
If you’re in the Twin Cities area and need to make sure you have the right coverage or need help with a claim, talk to Patriot Insurance. Our agents are here to help you make sure your vehicle is protected.