Filing a broken glass claim follows the same process as other types of auto insurance claims. Most companies allow you to call an agent or file a claim online. You should notify your auto insurance company of any damage to your car as soon as possible. If the damage to your vehicle is due to theft or vandalism, you can file a police report that includes the time, location and condition of your vehicle, as well as any missing items or belongings.
Your car insurance policy won't cover the cost of your personal items, but the police report and the list of belongings can help you with other renters or homeowners insurance claims. This step also provides more evidence to support your insurance claim. If you decide to file a claim with your insurance company, use photos and police documents to present your proof of damage and demonstrate the time, place and extent of your problem. Submit your documents and claim in a timely manner so that you can schedule repairs soon and keep your vehicle safe.
Your insurance company can send an insurance appraiser to assess and quote the costs and situation of the damage before releasing funds for repair. With so many options for car insurance companies, it can be difficult to know where to start to find the right car insurance. For example, Florida's auto insurance law (state law 627,728) states that the comprehensive coverage deductible does not apply to motor vehicle windows. In general, a claim for glass to repair or replace the windshield shouldn't have a big impact (if any) on your car insurance rates.
If your car window breaks due to various conditions, such as theft, accidents, vandalism, or weather, you may be able to file an insurance claim. Some states have “zero deductible” laws that state that auto insurance companies cannot apply a deductible to comprehensive insurance glass claims. If you want to use your car insurance to have your windshield repaired or replaced, follow these steps. The comprehensive insurance portion of your car insurance policy generally covers windshield damage claims.
This type of optional insurance covers damage you cause to your vehicle or damage caused by what insurance companies call “random acts.” Comprehensive and collision insurance usually has a deductible, which is the amount that is subtracted from the insurance check for a claim. If you want the right car insurance for hail damage, you'll need comprehensive insurance in your car policy. A car insurance deductible requires that you pay the established amount without the help of the insurance provider before your policy covers your claims. Handling a broken car window can be stressful, but knowing the terms of your insurance and coverage can help you determine the best course of action.
A history with multiple car insurance claims could also bring you up to date if you want to change car insurance companies. Some states allow insurance companies to replace the windshield with used glass, which means taking an intact windshield of the same make and model of car that has been wrecked or discarded and using it to replace the broken windshield. The exact coverage, assistance, and funding provided by your insurance company depends on the type of insurance and coverage you select and pay for.