After my friend got into a pretty significant car accident, I began thinking about ways to prevent the same type of thing from happening in my own life. I started driving safer and working on eliminating issues, and while it was difficult, it really helped me to clear my head while I was on the road. I also opted for a higher auto insurance policy, which I felt would be especially helpful in the long run. Now I can honestly say that my car is covered and I don't worry too much about the ramifications of other drivers on the road. Read this blog to learn more.
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When you purchase an auto insurance policy, there are a lot of different options you can choose in terms of coverage, and choosing the right option is important to ensure that you are fully covered. One of the options you could choose to add to your insurance policy is called glass coverage, and this type of coverage can be quite beneficial in certain cases.
What is glass coverage?
Glass coverage is a specialized type of coverage you can purchase with auto insurance, and it is designed just to cover damage to the glass on your car. Glass coverage primarily covers your windshield if it gets chipped or cracked, but it may cover all the other windows on your vehicle too.
What if you have comprehensive coverage?
There is a chance that you may not need glass coverage, though, but this will depend on whether you have comprehensive coverage with your policy. With comprehensive coverage, you might already have coverage for windshield cracks and chips; however, there is likely a deductible you must pay if you do have this type of coverage. If you have a deductible with it, you may still have to pay the full amount for repairs if your windshield needs to be repaired. If you choose to add glass coverage to your policy, you probably will not have a deductible to pay. This means that if you need windshield repair, the full amount of the repairs will be covered under your policy.
When is glass coverage beneficial?
If you are a person who drives a lot, you will have an increased risk of experiencing a chip or crack in your windshield, simply because you will be on the roads a lot. If this is the case, making sure you have coverage for cracks and chips in your windshield could be highly beneficial for you. In other words, if there is a high chance that you could experience a cracked windshield, adding glass coverage might be a good choice for you.
If you do not drive a lot or have very low risks of ever having a cracked windshield, adding this type of coverage might not be feasible. It is, however, important to have comprehensive coverage with your policy, as this offers coverage for things your collision or liability insurance does not protect.
You can learn more about comprehensive coverage and glass coverage with auto insurance by contacting an auto insurance agency of your choice.
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