The road can be a cruel and unforgiving place. Every time you get behind the wheel of a car, you open yourself up to all sorts of perilous situations. That’s why 49 out of 50 states in America require drivers to have car insurance—it serves as a necessary precaution for any possible mishaps that could occur during your trips.
That said, the most basic of plans can only do so much to protect you. In the case of auto glass damages, for example, your insurance may not even come into play at all. Drivers often don’t think about protecting their vehicle’s glass until they are faced with having to repair a broken windshield or window. Oftentimes, such repairs are unforeseen expenses that the owner will have to pay for out of pocket.
That’s where full glass coverage comes in—this is something you can add to your existing policy and it will cover any and all damages to your vehicle’s glass. But would adding full glass coverage to your policy be worth your while? Read on to find out such an option is right for you.
What Is Full Glass Coverage?
Full glass coverage is a special type of insurance that insures your vehicle of any auto glass damages. Most insurance companies offer it as an optional policy add-on. As with any insurance, there are benefits and limitations to full glass coverage, and it is important to know them in order to make a well-informed decision.
If you only have standard car insurance, auto glass damages including a broken windshield will not be covered. For the most part, basic policies only look at your liability, so they only provide financial relief in the event that you are responsible for causing another person’s bodily injury or property damage. Unless the other party is at fault for an accident that causes your windshield to shatter (in which case you may be able to file a claim against the property damage liability portion of their car insurance), your insurance won’t pay to repair your windshield.
The only time a windshield replacement is covered under insurance is if you buy full glass coverage, either separately or as an add-on to your existing policy. You may also be eligible for a windshield replacement if you upgrade your standard car insurance to a comprehensive plan, which will insure your vehicle’s glass from damages caused by non-collision factors like natural disasters, theft, or vandalism.
When Is Full Glass Coverage Worth It?
Whether or not you should opt for full glass coverage really depends on a number of factors. If you are someone who likes to be prepared for any scenario, then getting full glass coverage is worth considering. Auto glass, after all, is one of the most fragile components of a car and it is something that can get frequently damaged even if you aren’t in an actual collision. With that in mind, having full glass coverage could be beneficial if you regularly drive long distances or live in an area with bad roads, extreme weather, or frequent acts of vandalism.
Full glass coverage also saves you the burden of having to pay out-of-pocket to repair your damaged auto glass. In most cases, the cost to replace a broken windshield or window will cost less than your policy’s deductible, which means you won’t be able to rely on your insurance company to help you pay for the repair. Typically, they won’t pay a single cent unless the cost of the repair exceeds the deductible.
With full glass coverage, you don’t have to worry about all of that because there is no deductible to pay—your insurer will simply replace the damaged auto glass and you’re good to go.
Of course, full glass coverage isn’t for everyone. Depending on your living conditions and personal priorities, it may not be something that you absolutely need, which is why most auto insurers offer it as an optional add-on.