Not long ago, replacing a car’s windshield was not much different from replacing a broken window in your house, but as cars have become more technologically advanced, so have their windshields. Because of this, replacing a windshield is no longer a quick job, and what used to cost a few hundred dollars can now range into the thousands. Your car insurance will cover this cost, but it is imperative to carry the proper coverage.
These days, a newer model car’s windshield may include many or all of the following features:
• Cameras that look at the road with you
• Built-in display that shows the vehicle’s electronic and mechanical systems
• Heat and rain sensors
• Heating units to defrost the glass
• Lane departure warning systems
• Shade bands to help filter sunlight
The type of insurance coverage that includes windshields is called “comprehensive,” or “other than collision.” This covers any damage to the vehicle not incurred by a collision. Common comprehensive claims include vandalism and falling objects (which would also include a rock flying up from the road and hitting the windshield.) Most insurance carriers do not charge a high premium for comprehensive coverage, and the deductible can range from $0 or $100. Some companies also offer a lower deductible specifically for glass claims. If you drive a car that is 10 years old or less, you should consider carrying one of these two options!
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