“The comprehensive insurance portion of your auto insurance policy typically covers windshield damage claims. This insurance type covers damage from problems like theft, fire, flood, hail, falling objects (like a tree branch) and collisions with animals. Comprehensive insurance is an optional coverage, but usually required if you have a car loan.
Comprehensive insurance costs an average of about $160 per year, according to the National Association of Insurance Commissioners’ most recent data.
Comprehensive insurance typically includes a deductible, which is the amount you’ll pay out-of-pocket if you file a claim. Common deductible amounts are often between $250 to $1,000. For example, if you have a $500 deductible and it costs $250 to replace your glass, the cost of replacement is less than your deductible amount, meaning you would have to pay for the replacement yourself.”
Read more about comprehensive insurance here.
Even though comprehensive insurance is optional, it is still wise to enroll with your insurance provider. Even if you own your car outright, it’s better to be covered than left with a high repair cost. While it may be frustrating that minor damage will come out of pocket due to high deductibles, you’ll have peace of mind knowing that major repair will not be a financial burden.
The team at Advantage Auto Glass has experienced representatives willing and able to help you through the claims process. If you have a windshield or other auto glass damage please call us at 612-343-8984 or visit our insurance faq page for more information.