Does Insurance Cover Windshield Replacements?

When parking on the lane, under a tree or a construction building, your windshield may get cracks when hit by a tree branch, a coconut, or a rock. Comprehensive auto insurance would cover damage to the windshield, but not liability insurance for the three parties. However, if the damage was the result of an accident, the insurance could cover the windshield replacement or repair.

Comprehensive vehicle insurance for cracked windshield

If you are unsure about whether or not your auto insurance policy covers the harm caused to the windshield, the answer is yes, but only if you have a robust car insurance policy. If you have a robust auto insurance policy, any harm caused to the windshield of your car will be repaired without any out-of-pocket costs. However, if you have a simple third-party liability insurance obligation for each car owner in India, damage caused to the windshield of your car will not be protected by the insurer.

In a case where your car is mistakenly struck by another third-party vehicle causing damage to the windshield, even though you do not have a comprehensive insurance policy, the insurer of the other car involved in the crash is liable to pay for the repair cost of the windshield of your car. In such circumstances, you will file a lawsuit with the third-party vehicle owner. If your claim is found to be legitimate, the third-party insurer will bear the cost of the repair or replacement of your windshield.

Windshield maintenance dispute filing repair claim 

It is a costly job to fix or install a broken windshield. In such cases, don't hesitate to file claims with your insurer. Inform the insurer of the damage and file a windshield repair report. You may either write a request or electronically send a claim. If your car's windshield is broken due to an act of vandalism, you can first call the police, have an FIR, and then file your insurer's claim for windshield repair.

Next, take your car to a cashless garage that has tie-ups for a cashless facility for your company. The specialists in the workshop will check the damage and recommend a repair or replacement for you. If the windshield has been broken or partially damaged, a repair may be suggested by experts. However, a replacement may be suggested in the event of complete injury. In all cases, the insurer would bear the responsibility if the incidents leading to the loss are covered by the policy.

Also Read :- Where to Get the Windshield Repaired

You can also select a separate repair shop if you do not want to have the repair done from a networking workshop. If you want some other garage, send the bills to the insurance provider at the time of requesting a refund.

You will have to pay compulsory and optional deductibles as per the percentage selected at the time of policy purchase when you file a lawsuit. Compare the replacement/repair expense with your deductible sum if it is appropriate. If the actual cost of fixing the windshield is less or marginally higher than the deduction, so filing a claim is not worthwhile. There are, however, some auto insurance firms that provide windshield repair near me without a deductible charge. Before you start, check this with your insurer. 

Windshield experts will provide you with perfect car insurance which includes windshield replacement as well. Windshield expert’s car insurance gives the best windshield repair in Delhi.