How to Protect Your Car Against Glass Damage with Your Insurance Policy

There are many different things that can go wrong with your car and with all of these different possibilities it is important that you be prepared. You likely have coverage for damage to your vehicle and liability coverage to protect you against lawsuits, but what about additional coverage? Did you know that your collision coverage likely doesn't protect your car in the event of glass damage? You can get coverage that will protect you against glass damage, but it will not be in your liability or collision coverage. Here is how you can get your car protected against glass coverage.

First, understand that you can purchase an additional coverage, usually referred to as an endorsement to your policy that covers glass damage. This coverage will pay for repair or replacement of your glass dependent on the terms of the policy and this is usually a very cheap coverage to buy. When you take your vehicle to a glass repair facility, as a matter of fact, they will usually repair the damage for you and not even charge you in person. Instead, they will bill your insurance assuming that this coverage is there.

If you don't have this glass damage coverage you could potentially have coverage for damage to the glass on your vehicle through your comprehensive coverage. Depending on the insurance company you are with and the terms agreed to in your policy, this may or may not be covered in your comprehensive coverage. To find out if this is covered you could access your policy, call your agent or get in contact with someone at your insurance company's claims office. These claims are made regularly and should be easy to verify in the claims office.

The only difference between having the glass coverage and having the damage covered by your comprehensive coverage is usually a deductible. Your comprehensive coverage will almost always require a deductible to be paid before anything being covered, while most glass endorsements do not require a deductible.

Glass damage, again, is generally not covered under any liability or collision portions of the average auto insurance policy. This is not considered to be a coverage that goes along with the other damage to your vehicle so it requires a separate coverage to be paid. If you want to make sure your vehicle is protected you should make contact with your insurance company to verify. You do not want to be in a situation where your windshield is deteriorating and you have no way to fix it.