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Why You Should Call Your Insurance Company Before Replacing Your Windshield

There are many hazards you can face while driving, including flying debris and small rocks. Things like this can cause cracks or chips in your windshield that can interfere with your view and increase your risk of getting into an accident. That’s why it’s important to replace your windshield quickly. However, you should call your insurance company beforehand. Here’s why.

Car Insurance Often Covers Windshield Damage

Many car insurance policies offer coverage for windshield damage. However, you need to notify the insurance company and fill out the proper paperwork in order to have the cost of your windshield replacement covered. If you attempt to do so after you already replace the windshield, your claim will likely be denied.

Additionally, if your windshield damage was caused by another driver’s negligence, their insurance policy may cover the damage. You just need to make sure you have the other driver’s information and a good case. For example, if the other driver accidentally drove over a rock and it came up and hit your windshield, the other driver would not be at fault. But if a truck driver was carrying more gravel than it should and the gravel damaged your windshield even while you maintained a safe following distance, the truck company may be responsible for the damage.

Contact Your Insurance Company

Driving with a cracked or otherwise damaged windshield isn’t safe. That’s why you should call your insurance company right away, then have your windshield replaced.

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