Broken Car Window – We Ask An Insurance Agent

Often we install tint on a window that was recently replaced due to a break-in or vandalism.  So, we decided to ask our friends at Haymaker Insurance how insurance companies handle broken window claims and what advice they give their customers.

Tim @ Haymaker Insurance writes:
Unfortunately, car prowls or the occasional baseball can leave us with a broken window.  If this happens, we advise looking at the cost of paying a deductible vs. what it would cost to replace the window out-of-pocket. Each person’s situation may be different.

Ask yourself:

  • What is my deductible?  The most common deductibles in this scenario are $250, $500 or $1,000.
  • What is the cost to replace the glass myself?  Some find the out-of-pocket cost is better than filing a claim.

Preparation:
An option to consider is Full Glass coverage on your car insurance policy.  For a little more money you get peace of mind knowing it can pay to repair or replace auto glass without a deductible.

For example: Your car was broken into, nothing of value was stolen but you have to get the glass fixed. The window(s) is $650.  With the Full Glass option enabled on your car insurance, your insurance company should cover the costs of repairing the window in full with no out-of-pocket costs to you.

Without it you’re subject to your deductible first and the insurance company paying the remaining amount.

Again, it’s a little more money but in most cases it’s an extremely low-cost coverage to have.

If you have any questions, I can be reached at 253-220-5430 or tim@haymakerinsurance.com.

Tim Hay
Haymaker Insurance


Dealer Xpress is not associated with the sale or placement of home or car insurance. Information Purposes only. We focus on protecting your car’s paint, making it look great and help with solar control inside the car.
 

 

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