When your auto glass needs repairing or replacing, contacting your insurance company can be a complicated proposition. Between figuring out if you have glass coverage, and the constant thought that filing a claim will increase your premiums, it isn’t always easy to know when, or if, to contact your insurance company when you need auto glass repair.
Insurance coverage is comprised of two main components: comprehensive and collision coverage. Collision coverage is the half that covers you during an accident, typically when it is your fault. Comprehensive coverage is the half that covers you in cases of road hazards or vandalism, and other cases that are not your fault. Your glass coverage will usually fall under the comprehensive banner of your insurance. To find out if your insurance policy covers your auto glass, simply call your insurance agent or insurance company and ask. They’ll be happy to answer any questions you have about your policy.
When a situation arises that requires your auto glass to be repaired or replaced, bear in mind that your insurance premiums should not go up. Insurance companies don’t typically factor in comprehensive claims such as auto glass repair when determining how risky you are to insure or when determining your insurance rates. The reason is because comprehensive claims are claims that are out of your control.
This is not to say that you should contact your insurance company right away when an auto glass situation arises. Insurance companies use third-party networks to save money, and will attempt to send to you a pre-selected shop. Glass on the Move suggests selecting a company before contacting your insurance provider. By law, you have the right to select your own repair shop for insurance repairs. Select a shop with many years of experience in your local area. For instance, Glass on the Move has been servicing Oakland auto glass since 1979.
Contacting your insurance company for an auto glass claim doesn’t have to be complicated or harrowing. Remember these simple steps, and your auto glass will be on the road to recovery in no time.
For more information, give us a call at (510) 338-4791, or visit us online.