Let’s take a look to see if liability car insurance will cover a windshield replacement.
What Does Liability Car Insurance Cover?
Liability insurance is designed to protect drivers financially if they are proved to be at fault in a car accident. This coverage is provided to address expenses directly related to damages or injuries to other individuals or their property.
This provides coverage for any bodily injury liability, helping to pay for legal fees, replacing lost wages, and paying for medical costs for anyone impacted by the accident where you were at fault. Property liability is in place to cover repair or replacement costs for damaged property.
Property can include anything from a vehicle to a building. However, liability car insurance will not cover any damage to your vehicle, including the windshield.
Does Liability Insurance Cover Windshield Replacements?
In the majority of cases, comprehensive coverage includes both windshield repairs and replacements. A deductible typically applies to these claims when damage occurs. This means the driver will be responsible for an upfront payment before the rest is covered by the insurer.
For instance, if the repair costs $6,000 and your deductible is $500, you are responsible for paying that $500 before the insurer covers the rest. It is possible for some select policies to come with “full glass coverage” or “zero deductible glass coverage” as add-ons.
Due to the costs, most insurers are eager to take care of smaller repairs compared to full replacements. Most insurers will cover minor repairs without a deductible. Providers want to take care of small issues before they potentially become larger and more expensive.
How To File A Claim
Initiating a claim ultimately requires a few steps to be followed with either comprehensive coverage or specific glass coverage. Immediately contacting your provider after damage occurs is the crucial first step of this process.
Most providers will offer a few ways to make a claim. Oftentimes, this can be done through a phone call, mobile apps, or online portals. Be sure to always provide your policy number, an in-depth description of how the damage occurred, and date/time of the incident.
Drivers will also need to report their vehicle’s make, model, year, and exact location of the damage. Typically, an auto repair shop can bill your insurance provider directly for any resulting repairs or replacements.
Bridwell Automotive Center Offers Vehicle Repair In Scottsdale
If you need help with Transmission Repair in Scottsdale, look no further than Bridwell Automotive Center located at  7171 E Lincoln Dr or give us a call today at (480) 948-4781.
