If you’ve ever had to replace a windshield on your vehicle, you know it can be a costly and inconvenient process. However, if you have comprehensive auto insurance coverage as part of your auto insurance policy, you may be able to get some financial assistance to help offset the cost of your windshield replacement using auto insurance.

What is comprehensive auto insurance coverage? 🤨

Comprehensive coverage, sometimes referred to as “other than collision” coverage, is a type of auto insurance that covers damages to your vehicle that are NOT the result of a collision or motor-vehicle accident. This can include damages from events such as:

• Theft
• Vandalism 
• Natural Disasters 🌪
• And when it comes to specifically to windshield replacements, damages from flying debris or other objects. 

How does comprehensive auto insurance coverage apply to Windshield Replacement? 🚘

As we noted above, there are many reasons your windshield can be damaged that has nothing to do with a collision. If you’re a driver in Arizona, the combination of our roadways and highway systems plus the general rocky, dusty, gravelly nature of the Arizona desert landscape, you know it’s a fairly common occurrence to get a chipped or cracked windshield just while driving home from work.

If you have comprehensive auto insurance coverage and you need a windshield replacement due to damages from a covered event, your auto insurance policy may help pay for the cost of the replacement. And in some cases, your insurance may cover all of the expenses once you’ve reached your deductible. The exact amount of coverage will depend on your specific auto insurance policy, so it’s important to review your coverage limits and any deductibles that may apply.

Read the fine print. 📖

It’s worth noting that not all auto insurance policies include comprehensive coverage, so if you’re not sure if you have it or not, you’ll want to check with your insurance provider. Additionally, some policies may only cover a portion of the cost of windshield replacement, so you’ll want to be prepared for the possibility that you may need to pay some out-of-pocket expenses.

All insurance policies, including auto insurance, can often be confusing to understand. Many insurance companies seem to like to explain their policies using the most words possible, so sometimes it can seem daunting to try to comb through it. If you have windshield damage and need a windshield repair or windshield replacement, Auto Glass 2020 can help you understand your auto insurance coverage to make sure you don’t have to pay even one dollar more that you should.

If you don’t have auto insurance or are looking to switch auto insurance providers but not sure where to start, check out one of our blogs that talks about the best auto insurance out there for windshield replacements and auto glass coverage in general.

Chipped or Cracked Windshield? Now What?!

If you have chipped or cracked windshield, don’t pay anything out-of-pocket just yet! Call Auto Glass 2020 at (480) 283-7751 or get a quote here to have one of our amazing customer service agents go over your auto insurance policy with you to see what your auto insurance actually covers. If you are entitled to financial assistance, Auto Glass 2020 will make sure you get it! We know auto insurance can be confusing and frustrating, but we are here to help you through the entire process. So, reach out to Auto Glass 2020 today!