Does My Massachusetts Car Insurance Cover Windshield Damage?
Your windshield helps protect you from all the elements outside your car – precipitation, wind, harsh temperatures, and sometimes even debris. However, sometimes the beating that your windshield takes can result in chips or cracks. Damage can cause unsafe driving conditions, so it’s important to take care of any windshield damage that occurs. Windshield damage is common, but does your MA auto insurance cover it? Here are some common causes of windshield damage and what you need to know about them:
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Damage Caused by Accidents
One of the most common ways your windshield sustains damage is when you are involved in an accident. If someone else caused the accident, their property liability coverage would help cover the damage they caused. If they do not have enough coverage to cover your damages, that’s where uninsured/underinsured motorist coverage can come in handy.
What if you are at fault? Having collision coverage or full glass coverage are two options to help protect you in the event of an accident.
Make sure to talk to your insurance agent about your car insurance coverage. They can help you get the right coverage for your situation.
Damage Caused by Potholes
We’ve all experienced a scenario where, no matter how hard you try, it’s impossible to avoid potholes in the road. Not only are they a nuisance to drive over, but they can be the culprit for car and tire damage as well. Sometimes, they’re hard to spot – these “white line potholes” are caused by a chemical reaction from two substances; one in the asphalt and one in the “paint” used to make the lines.
Often, this means that until the roads are due for repaving, patching will have to do in the meantime. But, with patching and potholes come little rocks and pieces of hot top that can fly up while people are flying down the highway. These unruly pieces of debris can lead to cracks or chips in your windshield that you will need to have repaired. In most cases your Massachusetts Car Insurance will cover you, should you need a windshield replacement or repair.
Call us at 413.475.283
Complete our online quote form today
Damage Caused By Vandalism
Another common cause of windshield damage is vandalism. Hopefully, no one has set out to cause damage to your car. But, it can happen – whether you expect it or not. If you find that your windshield has sustained damage due to vandalism you should:
- Document the damage with photos and videos
- See if anyone has witnessed the vandalism
- File a police report if necessary
Having comprehensive auto insurance coverage will help protect you financially if something like this were to occur. This type of coverage covers damage that happens to your car when it’s not driving, such as vandalism.
A Branch Falls On Your Windshield
Damage from fallen trees, branches, and other debris is common. While the best thing you can do is take measures to mitigate these risks, sometimes this type of damage can be inevitable. Having comprehensive insurance coverage can help you in these types of situations. Because this type of damage is an “act of God”, and not caused by another vehicle, most policies can help protect you financially. However, always check with your insurance agent to see if all glass is covered.
It’s important to take care of your windshield if it sustains damage. Talk to an Encharter agent about your car insurance coverage. They can help address your questions and concerns before you get out on the road!
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