Your car windshield can get damaged due to several unprecedented scenarios, especially in India, such as getting hit by tree branches, due to debris or accidents on the highway. Driving with a damaged car windshield is a safety hazard and requires an immediate fix.
Car windshield replacement may end up burning a hole in your pocket, but don’t worry if you have the right type of insurance. Remember, not all insurance companies cover automotive glass replacement.
Which Type of Insurance Covers Car Windshield Damage?
In India, most comprehensive car insurance policies cover car windshield replacement. However, it specifically depends on your insurance company provider and policy type.
Here’s what your comprehensive policy covers:
Car windshield or window damage due to a tree branch falling
Falling of a Coconut or a heavy object on the car windshield or window
Stone or debris hitting the car windshield
A collision with an animal causing damage to the car windshield or window
Accident, vandalism or any other man-made event
Natural events such as a thunderstorm, a flood and an earthquake
If the car is damaged due to theft or vandalism, claims are processed only after an FIR is filed at the nearest police station. Also, before opting for a comprehensive policy, make sure to go through the wording in detail and ask your insurer about automotive glass replacement coverage.
Deductibles and Out-of-Pocket Costs
A comprehensive car insurance covers the cost of replacing a cracked, chipped or broken windshield. Your insurance policy terms and conditions determine whether you are eligible for a cashless facility. If not, then you have to pay out of your pocket.
You are required to pay a mandatory claim fee in accordance with the proportion mentioned in your policy. It isn’t worthwhile to claim if the cost of replacing the windshield is less or slightly higher than the deductible amount.
How to File a Claim for a Damaged Windshield?
Windshield replacement can be costly. However, if you have comprehensive car insurance, then you can easily file for the claim and let the insurance company pay for the damages.
- Inform the insurer about the damage and file the claim for car windshield replacement. You can file the application online.
- If the damage is caused due to vandalism, call the police to file a complaint and obtain the FIR copy and then opt for the claim.
- If your comprehensive policy has a cashless clause, make sure to take your vehicle to the service centre that already has a tie-up with your insurance company to avail the cashless facility.
- You can find the expert present at the chosen garage, who will inspect the glass and, on the basis of that they will tell you the cost for the car glass replacement.
- If there is car windscreen replacement, then the damage is covered under the comprehensive policy, so the insurer will bear the cost.
Tips to Protect Your Car Glass
Always park your car under the shed in hot weather, as direct sunlight can lead to cracks on the car windshield.
If the car windshield wipers cannot clean the glass properly, then replace them. Wiper change their shape over time, decreasing the car windshield.
Do not slam the door while closing it, as this can weaken the car glass by sending shock waves through it.
Do not clean your car windshield using harsh chemicals, as it can remove the protective layer on the windshield. Instead use clean products recommended by the automakers.
Wrapping Up
Windshield replacement can be costly. However, if you have comprehensive car insurance, then you can easily file for the claim and let the insurance company pay for the damages.
Are you looking for an expert for your car glass replacement? Then you’ve landed up on the right page at the Star Glass House shop in Ahmedabad. With 50+ years of experience, our professionals are fully equipped to cater to all your car windshield replacement needs.
We take pride in our workmanship, which is why we offer a lifetime warranty on our workmanship. We value your time, so we do all the paperwork related to the claim. We also understand the importance of convenience, so to find the Star Glass House shop in Ahmedabad, simply search for “Star Glass House shop near me” and contact us for windshield replacement service.