Is A Broken Car Window Covered By Insurance
Is A Broken Car Window Covered By Insurance
I was having a perfectly fine day until a neighbor knocked on my door and said, ‘Hey, is that your car with a broken window?’ Great. Just what I needed. Here’s what I discovered about insurance and busted windows.
Broken windows are covered under “accidental damages”, which means car insurance would cover them. Coverage for window repair/replacement: If an accident/act of theft breaks the window of your car, your car insurance policy shall help you cover the cost of repair or replacement of the broken window. Note that coverage for broken car windows isn’t universal it depends on your type of car insurance policy.
Which Insurance Policy Type Covers Car Window Damage?
If you have comprehensive cover, then all types of automotive window damages are covered. What is comprehensive insurance? A car owner can purchase a standard motor policy that provides coverage for many things related to their vehicle, including damage to the auto glass. The basic type is compulsory in India. Simply put, a full motor policy covers your vehicle from damage caused by another car. Here are some other common examples of what a full car insurance policy can reimburse you for. Windshield or window damage as a result of having a tree branch fall on it any sporting equipment.
The latter was an overnight situation where someone decides to do body damage to your vehicle, or somehow animals get into your car or windows and glass damages occurs, etc.
Now, a full-fledged insurance policy offers your car a wholesome cover which includes glass parts as well. When deciding to get said insurance, it is imperative to carefully read the policy wording and also quote specifically with the insurer, on the coverage of automotive glass. It can happen that your basic windscreen policy cover only side windows and cover not the windscreen.
How Much Cost Does A Comprehensive Car Insurance Policy Cover?
Full car insurance will pay to replace or repair a cracked, chipped or broken windscreen. In those cases, you can file a car insurance claim with your insurer, but only if your policy includes coverage for the reason for the damage. Insurance only covers those with replacement, Your terms and conditions are your insurance policy will decide your eligibility for a service at a cashless garage. Otherwise, you might need to incur an out-of-pocket expense. Your vehicle will not be covered for damages under a third party policy. To make an insurance claim, you must have a legitimate comprehensive policy.
How Much Does A New Windshield Replacement Cost?
The percentage selected while purchasing the insurance determines whether deductible amounts are obligatory or discretionary after filing a claim. If relevant, weigh replacement or repair cost against your deductible. If you think your windscreen repair will cost no more than your excess, or a bit more, it wouldn’t be economical to make a claim. You are, however, some auto insurance providers offer windscreen repair services without a deductible. Check with your insurer before going ahead.
How To File A Window Damage Repair Claim?
Depending on the car you drive, car glass replacement or repair will not be a cheap endeavor. you could lose your No Claim Bonus or NCB as soon as you file a claim. In fact, just recently if you have one of the mid or luxury segment cars and need a car glass replacement, it would burn a hole in your pocket and for which do not hesitate to file a claim at all. Here’s what to do next once you see the damage on your windshield or windows.
Report the damage to the insurer and file a claim to repair or replace. The claim application can be submitted by sending a hardcopy or online. In case the windshield got damaged due to vandalism, always call up the police and lodge an FIR and get a copy of the FIR before making a claim with your insurer.
If your comprehensive policy has the cashless clause, you should take your vehicle to a service centre which already has an agreement with your insurer for cashless facility. The damage will be checked by the experts in the garage you chose and there explanation that you required a repair or car glass replacement will be given as well.
So as long as the events that caused the damage are covered under your comprehensive policy, the insurer will pay for the repair or replacement. In case you do not want to have your car serviced by one of the garages that is in the tie up, you can opt for a different service provider. Doing so also gives you a right to file a claim with your insurance policy. What you would lose here is the cashless feature as mentioned in your policy document.
Tips To Protect & Safeguard Your Car’s Windshield
The lamination in your vehicle’s windscreen is also designed specifically to resist breaking during an accident or other unexpected activation. But, here is a summary of the tips you could use for its retention and protection from a number of unforeseen situations, avoid leaving your car in the sun, as direct sunlight can weaken the glass, resulting in a windshield crack.
Replace them if your windscreen wipers can no longer clear water from the glass. This causes wear and tear on the windscreen glass as the wipers lose shape over time and the effect of the windscreen glass reduction becomes to be weaker. Do not slam your car door shut. This sends shock waves through your car, decreasing the windscreen glass.
Maintain a safe distance between your vehicle and the one in front of it. This will prevent any large items in front of you from flying out of the vehicle and debris that it kicks back from smashing your windscreen. Never use harsh cleaners on your car’s windscreen since they will ruin the film that protects it, and may also discolor it. Instead, clean it with manufacturers’ recommended cleaners.
Different Ways To Protect Your Windshield
So that’s all there is to it – the best approach to get car window damage covered through a complete motor insurance policy. However, do remember to choose a professional auto repair or car glass replacement company that is experienced. Selecting a world 1 you might get back the cost from an insurance policy cash, but a car or windshield windows will most likely be installed dirty.
Looking for an auto glass expert? If yes, your search ends at AIS Windshield Experts! We are India’s largest car-care network with over 100 service centres in over 60 cities. We have a team of trained specialists who are certified and well-experienced in meeting car glass replacement or repair requirements. At AIS Windshield Experts, we take our work seriously; therefore we provide a one-year written warranty against our workmanship and materials used.
Your time is equally important; our services come to you, wherever you decide. So, when you have us on your speed dial you can always reach out to an expert who can provide windshield replacement in the situation that your car has ended up in an accident at any random place.
Conclusion
To maintain a strong relationship with your insurer, thoroughly understand your policy. Review the terms and conditions carefully, paying close attention to coverage limits, exclusions, deductibles, and any additional riders you may have opted for. Regularly updating your policy to reflect changes in your life, such as home renovations, acquiring valuable assets, or lifestyle changes, ensures that your coverage remains adequate.
Another key step is maintaining clear communication. Don’t hesitate to ask your insurer for clarification if there’s anything you don’t understand about your policy. Building a habit of periodic check-ins with your agent or representative can help you stay informed about any policy updates, premium changes, or new coverage options that may benefit you. Insurers often provide informational materials or online resources—taking the time to go through these can help you avoid unpleasant surprises during a claim.
FAQ
Car insurance generally covers broken windows, as they are considered accidental damage. Your car insurance policy covers repairing or replacing the broken window if your car’s window is cracked in an accident or damaged by an act of theft. But the coverage for busted windows can be different depending on what level of car insurance you carry. Comprehensive car insurance policies generally cover all types of damages, including broken windows, and this damage may not be covered by a liability-only policy.
A standard car insurance policy, sometimes called comprehensive car insurance, covers a number of situations. It covers damage to your car caused by accidents, theft, fire, natural disasters and vandalism. It also offers protection against bodily injury or property damage to third parties if you’re responsible for a crash. This type of policy might also have personal injury protection or medical payment coverage, which would cover your and your passengers’ medical expenses.
Third-party insurance, or liability-only insurance, serves to cover damages or injuries caused to third parties in case of an accident. This type of insurance does not protect your own vehicle from damage. This covers on third party of a bodily injury or death and property damage. It may also offer personal accident coverage for the policyholder and passengers in some cases.
No, you won’t be able to file a claim after cancellation, if you got pregnant after taking out your polic, or booking your trip (whichever is later).
We don’t cover you if a doctor tells you not to travel (unless there are complications of pregnancy or childbirth) unless you wareunable to change your trip and can produce written documentation to confirm that from your travel provider.
