Car insurance doesn’t sound like the most important requirement in your investments, but having car insurance at the ready can help you with all sorts of issues. From minor cracks on your windshield to a completely shattered windshield that needs professional attention, auto insurance is handy enough to help you financially. But if you still need reasons as to why having car insurance is a good move, here are a few reasons why:
It’s Mandatory According to Canadian Law
According to Canadian regulations, every vehicle driving on Canadian roads should be equipped with insurance coverage, especially auto insurance. This coverage can come in the form of comprehensive, collision, or third-party insurance.
Drivers who still operate their vehicles on the road without proper insurance can face legal consequences and potentially face criminal charges. If these violations are repeated, your driver’s license could be suspended.
It Provides you With Legal Protection
In case of an accident where you’re at fault, Canadian car insurance becomes a vital safeguard. It can shoulder various expenses like damage repairs, compensation for injured passengers, and even legal fees.
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All in all, having car insurance helps protect you from unexpected and potentially costly lawsuits.
It Settles Accident Costs
Canadian car insurance is designed to assist you in managing the financial aftermath of road accidents that could be your fault. Whether you have liability, comprehensive, third-party, or any other type of coverage, car insurance plays a crucial role in covering the full spectrum of accident-related services.
These expenses may include hospital bills, vehicle damage repairs, compensation for injuries, and other costs associated with third parties. All of this can be challenging to handle by yourself.
It’s Calamity Protection
For people with comprehensive insurance coverage and those who aim to diligently protect their car, car insurance is invaluable to protection against natural disasters and possible damages from calamities like earthquakes, hurricanes, mudslides, and volcanic eruptions, among others. In these instances, your car insurance, specifically comprehensive coverage, can help replace your vehicle with a new one depending on the extent of damage.
Depending on which auto glass insurance provider you have, you could be assigned to a network that would refer you to the nearest repair shop based on your postal code, or you’ll be allowed to select your preferred windshield repair company.
For the biggest question, “Does insurance cover auto glass repairs?” there’s a rule of thumb that if you have comprehensive insurance, it’s most likely that your auto glass replacement will be covered.
In general, damages like broken window glass or services like windshield replacements fall under most auto insurance policies’ Comprehensive Physical Damage section. Nonetheless, there could be instances where you will need to meet a deductible. These usually range from $250 to $1000.
So if you have a $300 deductible, you must cover the initial $300 before your insurance can cover any additional repair or replacement costs. Certain auto insurance companies may cover the repair expenses and waive your deductibles as well.
Considerations when Filing a Claim for Windshield Replacement or Repair
Replacing or repairing a windshield is considerably more affordable than replacing or fixing the entire vehicle. But knowing your insurance provider’s approach to auto glass repair and replacement is still important.
Insurance companies often present a reduced deductible ranging from $100 to $1000 for broken glass replacements. This can usually be found within your insurance policy under a section like “Special Windshield Coverage.”
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If the damage is minor, repairing a cracked windshield may also be free of charge. Other auto insurance policies meanwhile provide full glass coverage, which differs from comprehensive coverage in that there’s no deductible, and the insurance pays the total glass coverage upfront. So it’s important to be aware of your insurance’s terms and conditions before paying cash for a windshield replacement covered by insurance.
Canadian Insurance Companies that Cover Windshield Damage
According to researchers, some of the best-rated insurance providers when it comes to overall customer satisfaction with claims processing include RBC Insurance, TD Insurance, and State Farm. when it comes to auto insurance policies though, these are some of the highest-rated companies,
Progressive
If your policy includes windshield damage coverage under Progressive’s insurance, there will be no required deductible for your windshield repairs.
RBC Insurance
Though it isn’t explicitly mentioned on their website, the company is willing to waive the deductible for windshield repair as long as you do not claim additional damage. In the case of a comprehensive RBC policy that includes an auto glass endorsement, no deductibles will be applied when replacing the windshield.
If any deductibles apply, though, they will be relevant in the context of windshield replacement. Make sure to contact your insurance provider to clarify if you’re uncertain whether your policy includes the mentioned endorsement.
GEICO
GEICO has comprehensive coverage that offers windshield repair services without requiring a deductible for repairable damages. If there are minor cracks smaller than a dollar bill or chips that are smaller than a quarter in your windshield, GEICO can arrange for a technician to go to your location.
There are many other insurance options for you to screen. Overall, finding one that can give you a high deductible on auto glass repair coverage is important. With the right insurance, you can lessen windshield costs and keep yourself financially safe while making your vehicle safer.
