A comprehensive car insurance policy covers significant damages caused to the windshield of an insured car.
In other words, your four-wheeler insurance company will bear the entire cost of replacing the damaged windshield of your vehicle. It’s because comprehensive car insurance covers all damages and losses sustained by your vehicle along with third-party accidental liabilities.
So, if your car’s back or front windshield sustains any damages caused by natural calamities, accidents, or man-made disasters, it will be covered. But if you only possess third-party auto insurance coverage, then you won’t get coverage for the damages caused to your vehicle.
This article will give you informative insights into windshield replacement coverage. Please stick to the end of the article to know more about it. Let’s begin!
When Can You Acquire Coverage for Windshield Damage Under Car Insurance?
Your car insurance company will cover the repair and replacement costs of your car’s windshield. However, this remains applicable only if your vehicle’s windshield gets damaged due to any of the following reasons:
- If a tree branch or an entire tree falls on your car
- If your car collides with a third-party property or another car
- If any animal collides with your car’s windshield
- When hails fall on your car’s windshield during a severe hailstorm
- If a ball hits your car’s windshield and breaks it
- If heavy items like plant pots, rocks, etc., fall on your car’s windshield
- If your vehicle’s windshield breaks during acts of vandalism
- When pebbles or debris hit the windshield while driving, etc.
If your car’s windshield encounters any of the following scenarios, you will get coverage from your car insurance company.
What are the Types of Windshield Damages Covered Under a Comprehensive Policy?
Your car’s windshield might get damaged due to a collision or a non-collision. These damages can either be caused by man-made circumstances or natural calamities.
Please note that the coverage and the process to raise a claim for your car’s windshield damage is entirely case-specific. So, if your windshield is damaged due to instances of vandalism, then you need to involve the police. After you file a complaint and register an FIR, you can raise a claim with your four-wheeler insurance company.
However, it is immensely crucial for you to go through the terms and conditions of your car insurance policy. This will help you get a clear understanding of the coverage offered on windshield damage.
What are the Deductibles While Filing a Claim for a Damaged Windshield?
A deductible is nothing but an amount you pay from your pocket to repair your damaged windshield. However, your car insurance company covers the remaining amount for repairing or replacing the same.
You must compare the repair and replacement costs with the amount you pay as deductibles. If the estimated cost of repairing the windscreen is higher than the deductible amount, it’s best not to raise a claim.
How Should You File a Claim for a Damaged Windshield?
Repairing or replacing your vehicle’s windshield can indeed be quite expensive. But if you have a comprehensive car insurance policy, you can easily file a claim with your insurance company.
Here’s how you can file a claim for a damaged windshield of your car:
- First, contact your vehicle insurance company and begin the claim procedure. You can also submit an online claim from your insurer’s website.
- When your vehicle insurance provider accepts your claim, you can take your vehicle to a network garage for a cashless claim. You can also opt for a non-network garage for repair and file a claim for reimbursement.
To Conclude
The windshield of a motor vehicle is an important part, and driving without it can be pretty dangerous. Therefore, you must care for and maintain your vehicle’s windshield and keep it in good condition.
Nevertheless, your comprehensive car insurance policy can easily cover significant damages to your car’s windshield. Besides, you can avail excellent auto insurance benefits at Future Generali.
So, what are you waiting for? Grab the ideal vehicle insurance for your car and give it the best protection.
Frequently Asked Questions
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Does third-party liability cover damages to the windshield?
A third-party liability car insurance policy covers damages incurred by third parties. However, windshield damages caused to your vehicle are not covered under third-party insurance.
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Can my insurance policy provider cover the insured car’s damaged windshield?
When you opt for a comprehensive car insurance policy, the damaged windshield of the insured car will be covered.
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Will I lose my No Claim Bonus if I raise a claim?
You won’t have the opportunity to take advantage of the No Claim Bonus if you raise a claim during the previous policy period. But you are not likely to lose out on your NCB if you opt for NCB protection as an add-on to your four-wheeler insurance.
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When should I not claim for a damaged windshield?
If the damaged or broken windshield repair cost is lower than your No Claim Bonus, you should avoid raising a claim.
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Will my premium rates increase if I raise a claim?
You should note that the premium rates of your auto insurance coverage don’t depend on the claims you file. However, having a bad claim history will automatically cause your premium rates to rise. Also, if your insurance company finds that you have made any fraudulent claims, they might deny your policy renewal.
