How Does It Work?
A typical auto policy with comprehensive coverage will provide you with glass protection. For example, if a rock cracks your windshield, it can help cover the cost. However, to do so, the damage must be higher than the deductible on your policy. Otherwise, there is no benefit to filing a claim. No-deductible glass coverage helps to put that aside.
Most of the time, you can add this type of glass coverage to your existing car insurance plan. It tends to be very affordable. Some plans are no more than a few dollars more a month. However, it is not available in all states. Some states restrict the access to it while others require glass damage be part of a full comprehensive plan.
Is It Beneficial to You?
It takes just one crack in the windshield for most people to be ready to look for a way to reduce the repair costs. With no-deductible glass coverage, you do not have to worry about paying out of pocket. However, your plan does have some limits. It does not cover instances where you or someone living in your home purposefully damages the window.
To determine if you should buy this coverage, contact your auto insurance provider. Ask about your current coverage for glass on your car. Is it a part of your existing plan? If not, consider the value of adding this coverage. Also, learn what your deductible is. This can give you some insight into what you may have to pay without coverage.
If you drive on the freeway a great deal or spend a lot of time behind the wheel, the risks of glass damage increase. If you live in a high-theft area, this can also increase your risks. Some people may have a vehicle with glass that damages easier, such as an older car. This can put you at higher risk too. In these cases, having car insurance with auto glass coverage is very valuable. It may be a simple type of addition to your policy to offer you more protection going forward.