Do You Have a Windshield or Auto Glass Insurance Policy?

Auto insurance policies are not all created equal - Many times when it comes to windshield and auto glass replacement, clauses are included. Most people don't read through the entire contract or make sure they understand all the details of the included coverage. With clauses added for every possible natural disasters it's no wonder. It often seems meaningless to look beyond the big topics of collision, theft, and uninsured motorist coverage. However, almost all 

comprehensive

 

policies do include some amount of insurance for windshield and auto glass damage. It's the difference that can make a big impact on your wallet or pocketbook. 

What to Expect Out of Your Insurance Policy

Although windshield and auto glass insurance policies vary depending on your situation and your insurance provider, most of them follow a few basic formats. Within your policy, you should expect to find information on: 

The amount of coverage:  If you have full insurance coverage on your vehicle, you may actually get free windshield repair as a part of your regular package. This is rarely tapped into, so many insurance providers feel safe including it in the fine print.

A special windshield repair deductible:  If your collision deductible is $250, $500 or $1000, it might seem pointless to get your windshield repaired through your insurance. However most insurance providers offer a smaller comprehensive deductible just for windshield and auto glass replacement. This allows you to get the repairs you need without being forced to meet the higher collision deductible. Check your policy for your comprehensive deductible or it may say other than collision deductible. If you need help, just call us at 406-206-5551.

A "no penalty" windshield repair policy: If you get a broken windshield or glass damage to your vehicle, and there is no other damage, this would fall under your comprehensive deductible, NOT collision. When this type of damage is repaired, there is "no penalty", and your insurance rates will not go up. 

Quick and easy access:  There any many different channels you could go through to make an auto glass claim. You could call your insurance agent, go to your insurance companies website, call your insurance 800 claims phone number or ... just call us, we can initiate the claim for you. Just call us at 406-206-5551 

 File A Auto Glass Claim  406-369-8555  

How to Get the Most out of  your Auto Glass (Comprehensive) Insurance Coverage

Make sure you read your policy in its entirety and talk with your local insurance agent to learn exactly what your options are for getting a windshield repaired so that you can keep your automobile, and your family, safe. 

We have found in speaking to many policy holders, that, having a low comprehensive deductible, and a slightly higher collision dedectible, will get you the most use out of your policy. A $50.00 or $100.00 Comprehensive deductible would generally the best. Call our office or your local insurance agent if you need any assistance.