Broken or shattered windshields are not only annoying, but they also make it harder for the person driving the car to see. This can make it hard or even impossible for the person to drive. A bird flying into the window, a rock or other piece of debris flying into the glass, or a car accident can all break a windshield. Since some of these seem to be covered and others might not be, many people are left with the troubling question of whether or not their broken windshield is covered by their auto insurance policy and their deductible. In general, this will be different for each person because their insurance company and deductibles will be different. But there are some things to look for in a situation like this.
If you were in a car accident that wasn't your fault and the other person's insurance paid for the damage to the windshield, yours won't. If the accident wasn't your fault, you wouldn't need the money from your auto insurance deductible. If the other driver doesn't have insurance, you may have to pay for the repairs out of your own pocket, if that's possible. Even though the United States requires people to have insurance on their cars before they can drive them on the road, many people will still break this law, as they have broken almost every other law in this country. People sometimes just don't want to follow the rules.
If you have full coverage on your auto policy, damage to your windshield will be taken care of, regardless of who was at fault. When someone has full coverage, it means that they have both liability and full coverage on their car insurance. This also means that if something goes wrong, your insurance will pay for it, even if it was your fault that the windshield broke. If a person only has liability insurance, the insurance company will only pay for damage caused by the insured person's car to property that isn't their own and that the driver damaged. A person can only get this kind of coverage if they have full coverage.
But the amount of a person's deductible will also affect whether or not they have to pay for the repair of a windshield out of their own pocket. When a person buys auto insurance, he or she chooses the amount of the deductible. Most companies give you the choice between deductibles of $250, $500, $750, and $1000. Most of the time, a higher deductible means lower monthly payments, but this is up to the person. Most of the time, the cost of replacing a windshield will be more than most of the deductibles, with the $1000 deductible being an exception. When the deductible is less than the total cost of replacing or fixing the windshield, the insurance policy will pay for the rest of the cost.
