INSURANCE GUIDE

You’re driving down the road and a rock flies up from the wheel of a car in front of you and lands directly on your windshield. You’re left with a chip, or your entire windshield is cracked. Of course, you need to have it replaced. Driving with a damaged windshield is dangerous. It can reduce your visibility, and there’s also a chance that the entire window can come shattering down.

How can you protect yourself from the cost of having your window replaced? By investing in full glass coverage. But what is full glass coverage and is it worth it? Keep on reading to find out…

What is Full Glass Coverage?

full glass coverageBefore we explain what full glass coverage is, let’s discuss another type of auto insurance that might prevent you from having to pay the cost of repairing or replacing a damaged windshield: comprehensive coverage.

Comprehensive auto insurance offers coverage for damages that your vehicle sustains that are not the result of a collision with another vehicle. For example, if your car is damaged by hail, a fallen tree, an act of vandalism, or even an animal, a comprehensive auto insurance policy will help to cover the cost of those damages. This can include the damages to your vehicle’s windows.

In some states, full glass coverage is included with comprehensive coverage, or you can add glass coverage to your comprehensive policy. If you have full glass coverage, there’s a chance that you won’t be required to pay for a deductible in the event that your windshield has to be repaired or replaced. Whether or not you have to pay a deductible for filing a claim against your comprehensive policy for the repair or replacement of a windshield depends on where you live. In some locations, there are regulations that state insurers do not have to apply a deductible to claims for damaged glass. If you live in a state where this type of mandate exists and you have a comprehensive auto insurance policy, you will not have to pay a deductible to have your damaged window repaired or replaced.

Is Full Glass Coverage Worthwhile?

It really depends on your unique situation. For example, if there is an increased risk of damage to your vehicle’s windows; for instance, if the shape of the windows on your vehicle are more prone to breakage, if you drive in an area where flying debris is common, or you live in an area where hail storms are a frequent occurrence, then yes, full glass coverage may be very well worth your while. Why? – Because there’s an increased risk of damaged or broken windows in these types of situations. The more frequently your windows are damaged or broken, the more often they are going to have to be repaired or replaced, and over time, that cost can really add up.

In addition to the risk of damaged windows, whether or not full glass insurance is a good investment also depends on the cost of coverage. If it is going to cost you more to pay for coverage than it will cost you to pay to have your windshield repaired or replaced, full glass coverage likely isn’t worth the investment. Likewise, it depends on your deductible. If you have to pay a deductible and it’s high, then full glass coverage might not be a good option for you; however, if you do not have to pay a deductible to have your window repaired or replaced, then full glass coverage might be worth your while.

How to Prevent Damaged Windows

It isn’t always possible to prevent a chipped or shattered window; sometimes, it just happens. A rock can fly up from another car and smash into your window at any time. However, with that said, there are some things that you can do to reduce the chances of your vehicle’s windows being damaged.

Some precautions you can take include:

  • Keep a safe distance. It’s always important to keep at least a car length between you and the vehicle in front of you, as it reduces the chances of a rear-end collision. Keeping a safe distance can also reduce the chances of having your windshield damaged. If a rock does get kicked up by the car in front of you, it’s less likely going to make contact with your vehicle.
  • Be mindful of temperature changes. Windows can easily crack in severe temperatures. If it’s exceptionally cold, heat your car up slowly to avoid damaging your windows. Likewise, if it is blistering hot, cool your car down slowly. You can also keep your windows slightly cracked so that air can flow through your vehicle, which might also help to reduce the risk of damage to your windshield.

To learn more about full glass coverage and to find out if it is worth the investment, speak to a reputable insurance agent.