Do I Need Full Glass Coverage?

November 14, 2011 No Comments »


Insurance Q&A: “Do I need full glass coverage?”

It seems like there is no end to the number of auto insurance coverage options available nowadays.

Accident forgiveness, ticket forgiveness, personal injury protection, auto death indemnity…and now there are different types of auto glass coverage?  Where does it end?

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Well, believe it or not, auto glass coverage can get pretty darn complicated when it comes to insurance.

What is Full Glass Coverage?

The answer depends on your individual policy language and which company insures your car.  For the record, “full glass” coverage refers to a car insurance policy that DOES NOT charge a deductible for repair or replacement of damaged auto glass.

Why is this even a concern?  Well, primarily because auto glass is frequently damaged without being in an actual accident.  Picture a rock hitting your windshield while traveling on the highway.

And the average cost to replace auto glass is typically less than your policy’s deductible.  Therefore, if your windshield gets cracked, or is completely destroyed, you are automatically on the hook for the entire cost to repair or replace the windshield.

Conversely, an auto insurance policy with full glass coverage would eliminate your out of pocket costs for these common repairs.  The insurer simply repairs or replaces your car’s damaged glass.

However, you will pay a slightly higher overall insurance premium for this coverage in place.

Is Full Glass Coverage Necessary?

Whether or not full glass coverage is necessary depends on your risk tolerance and somewhat on the company that insures your car.

Safeco Insurance, for example, has partnered with Safelite Auto Glass to offer FREE repair of cracked windshields – to a degree.  And they don’t “count” the occurrence as an insurance claim and you are not charged a dime for the repairs.

However, Safeco Insurance still offers a comprehensive deductible with “glass coverage.”  Why?  If you read carefully, you would have noticed the repairs are free “to a degree.”

If your windshield cannot be repaired, but rather needs to be completely replaced, the comprehensive deductible would apply…and you will likely pay for the replacement out of pocket.

With the “auto glass” coverage, you would not be required to pay the deductible, even in the event the windshield needed to be replaced.

If you’re unclear where you stand, contact your independent insurance agent or insurer to get all the details.

Read more: Does my insurance cover windshield replacement?

(photo: runran)

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