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Will Car Insurance Pay To Repair A Cracked Windshield
You may never think about your windshield on your car until the moment a stone puts a nice big crack in it. Now that your car is damaged you give your insurance company a call to get it fixed. However, you come to realize that windshield repair is not under your current policy. What?
What Does Car Insurance Cover?
In most States, basic liability and collision car insurance don’t cover windshield breakage. This is assuming your windshield broke independently of an accident. Yes, that’s right. In order to get coverage for your windshield, you will need to sign up for a comprehensive plan. This type of plan covers damage to your vehicle that is non-accident related.
Why Is It Necessary To Get Your Windshield Repaired
When you get a crack in your windshield, you want to get it repaired or replaced quickly. It’s important to realize that your windshield provides a high portion of structural support for the cabin of your car insurance. Your windshield is a main component in keeping the roof in place in the event you are involved in a rollover. Needless to say, it’s a safety feature that shouldn’t be ignored.
In addition to the structural integrity base for your vehicle, a windshield serves other purposes as well. It will typically protect you from being ejected from your vehicle in the event of a serious accident. It allows the air bags to deploy properly in the event of an accident so they can cushion the driver. Without a structurally sound windshield, your vehicle is not going to be safe to drive.
How Does The Repair Process Work?
When you notice a crack in your windshield, you should immediately call your car insurance company. Let them know about the damage and start the claims process. Your car insurance provider knows just how imperative fixing a windshield is and will get you assistance particularly quickly.
Your car insurance agent may ask you to send pictures of the crack or describe it in detail. This will help them to determine if you need a full windshield replacement or just a repair job. Once your car insurance agent figures out what you need, they will call the glass company to setup an appointment.
If the crack is still small, the company will typically repair the crack with a resin. This resin gets injected into the cracks and fills the tiny micro-cracks to keep the structural integrity of the windshield. This resin in barely noticeable. In the event, the crack is too big or in the driver’s line of sight, the glass company will replace the windshield with a new one.
How to Get the Best Car Insurance Quote
Getting the best car insurance quote is only difficult if you’re not sure where to begin. Shopping for a new car insurance quote is no one’s favorite thing to do, but it’s a task many consumers understand saves you hundreds of dollars each year. It doesn’t take much to find a much better car insurance quote when you employ a few simple tactics.
Don’t Assume Your Insurance is Best
Once you find better car insurance quote than the one you’re currently working with, call your own company to negotiate. If you have numerous tickets, accidents, and claims on your record, chances are slim your own company will work with you. If you’ve been a loyal customer with a good driving record, you can almost guarantee your current insurance company will work with you to match or beat the new insurance quote you’ve been given.
Ask for Discounts
The best way to get a new quote that’s lower than what you’re currently paying is to ask for discounts. You might not know your car is eligible for discounts, or that your life circumstances could make you eligible for a new car insurance discount. Are you recently married, or are you a young man who recently turned 25? Both can lower your rates. If you bought a new car with a smaller engine, a bigger body style, or more safety features, you might qualify for some safety discounts when you call the insurance company you’re working with.
Ask About Paying At Once
If you are looking for a new quote, ask insurance companies how much you’ll save on the cost of your premium if you choose to pay the premium all at once rather than in monthly installments. This usually qualifies you for an immediate discount as well as long-term savings. If you have your monthly bill taken from your account, many insurance agencies charge a monthly fee. If you receive paper statements, they charge you a fee. If you pay online, they charge you a fee. If you pay upfront when you sign your contract, you typically get a 5% discount on average, and you get to consider the savings from all those fees you’re not going to pay.
Finding a great quote isn’t difficult, but it requires doing a little homework. Don’t be surprise if your own company doesn’t have the best rates or the best coverage, but don’t discount them if you find someone willing to negotiate.
The Most Commonly Ask Questions About Home Insurance
Home insurance is one of those terms that many people talk about whenever the topic of home buying comes up. However, not too many people can describe this type of insurance beyond stating it covers your the cost of your home if it were to be damaged.
Today we are going to take a look at some of the most common questions people have about this type of insurance and hopefully help you set the record straight about what this truly entails.
Is Home Insurance A Requirement To Own A Home?
However, most homebuyers finance their home through a mortgage lender. Most all mortgage lenders require that home insurance is established on the home you are purchasing. So, while you are not federally required to have this type of insurance, there are instances when you will need it.
What Factors Affect The Premium For Home Insurance?
There are many factors to consider when an insurance company attempts to establish your insurance rate. Some of these are included below.
Home Characteristics – Some examples of these include the date your home was built, the material it was built with, additional structures, such as garages, and the type of wiring in the home.
Home Location – Your premium can be influenced by where your house in located. Those located in disaster areas, such as along the beach, can be more expensive. Those closer to fire stations can be cheaper. If your neighborhood has a high crime rate you could be paying more for insurance.
Security Devices – Having fire alarms, security systems, sprinkler systems, deadbolts, and fire extinguishers strategically placed throughout you home can help to lower your monthly premium payment.
Personal Influences – These include your credit history, credit score, and other debts you owe. All mortgage lender will assess your borrowing risk when considering a premium amount.
What Is A Home Inventory And Why Is It Recommended By My Insurance Company?
A home inventory is a list of your possession in the home. The inventory should include all items of value, a description of all items noting model numbers, and sales receipts of when the items were purchased, if applicable.
These are highly recommended by your insurance company to assist in expediting any future claims that you may make. Keeping your home inventory up-to-date is the key to being able to successfully use it in the future.