It happens… You find yourself driving down the highway when all of a sudden, WHACK! The passing semi just threw up a sizable rock making contact with your windshield. Windshields that are chipped, cracked, or broken in some way are the most common of auto glass vehicle repairs. Anything from falling tree branches, road debris, animal collisions or vandalism can cause serious damage. It’s never a good idea to avoid fixing the windshield to the point of making your car unsafe to drive. Before contacting a Sacramento windshield repair and replacement company, check your auto policy. It’s important to see if Sacramento windshield repair and replacement services are part of your comprehensive car insurance coverage.
Understanding Sacramento Windshield Repair And Replacement Coverage
Understanding what can be covered by insurance when not involved in a collision can be tricky. But, for the most part you’re covered if something other than a collision causes damage to your windshield. You can most likely pay for the Sacramento windshield repair and replacement by using the comprehensive portion of your insurance. However, not having comprehensive coverage means you will have to pay out-of-pocket. So keep in mind that this is an optional coverage benefit that insurance providers offer.
Another factor to understand is the amount in which you will pay of your deductible. Before filing a claim, compare the size of your deductible with the cost of Sacramento windshield repair and replacement. It may not be worth filing a claim with a deductible that is higher than the actual cost of the repair or replacement. One exception however, is if your insurance company has a policy that allows windshield repairs without using your deductible. Although you may have to pay more for this addition, it could save you more on the deductible.
Submitting Your Claim Through Your Insurance Coverage
If you decide it is worth filing a Sacramento windshield repair and replacement claim thru your insurance company, do so promptly. Doing so as soon as possible with your car insurance company can be better financially. Depending on the insurance provider, you have the option to do so in three different ways:
• In person
• By phone
• Or by submitting an online or mobile application
Keep in mind that even if you begin the process electronically, there may be additional steps. You may still need to have your car inspected before being approved for the Sacramento windshield repair and replacement. Once approved, your next step is to get the windshield repaired or replaced. Some insurance companies also allow you to submit a claim for reimbursement after you pay for the actual repair.
Lastly, you have two options for Sacramento windshield repair and replacement. One, may choose a repair shop that has a contract with your insurance company. Two, another option is to choose your own Sacramento windshield repair and replacement shop. If you decide that choosing your own is the better option, be sure to choose a reputable one like Windshield Pros North. Call today at (916) 669-1411 to speak with a certified professional about getting you back on the road safely!