You’re driving along on your vacation, enjoying the scenery, when all of a sudden you hear a loud crack. You look down and see a large crack in your windshield. Now what? If you have comprehensive coverage on your personal auto insurance policy, you may be covered for damage to a rental car. But if you don’t have comprehensive coverage, or if your deductible is higher than the cost to repair the damage, you may be left footing the bill.
What is Windshield Insurance?
Windshield insurance is an optional add-on to your auto insurance policy that can help cover the cost of repairing or replacing a cracked or chipped windshield. Some insurers offer it as part of their standard auto insurance policies, while others offer it as an add-on. deductibles typically apply, so it’s important to understand how much coverage you have and what your deductible is before you need to use it.
Should I Add Windshield Insurance to My Auto Insurance Policy?
Adding windshield insurance to your auto insurance policy can give you peace of mind in knowing that if something happens to your windshield, you’re covered. However, it’s important to keep in mind that damage to your windshield may not always be covered under your comprehensive coverage. And, if you do have comprehensive coverage, your deductible will likely apply.
For these reasons, it’s important to decide whether the cost of adding this coverage to your auto insurance policy is worth the peace of mind it provides. If you don’t feel comfortable with the amount of risk you’re taking on by not having this coverage, then adding it to your policy may be the right decision for you.
Conclusion:
When deciding whether or not to add windshield insurance to your auto insurance policy, there are a few things you should keep in mind.Consider the cost of the coverage and compare it to your potential out-of-pocket costs if you were to need to repair or replace your windshield. Also, consider whether or not you feel comfortable with the amount of risk you’re taking on by not having this coverage. If you decide that adding windshield insurance is right for you, be sure to shop around and compare rates from different insurers before making a decision.
