I am thinking ahead and wanted to gather some DP.
I’m adding another car to my policy, so I’m reviewing and possibly adjusting my coverage. For my current car (not the new one), I already have a small windshield crack from a rock. I patched it with a DIY kit, and my comprehensive deductible is currently $1,000.
I’m considering lowering the comprehensive deductible to $100. My thinking is that if I get another rock hit in the future and end up needing a full windshield replacement, I wouldn’t have to pay much out of pocket.
I couldn't find any cases like this. I tried asking Chatgpt and it said that I would be eligible if a new rock were to hit and create a new damage and insurance will consider that as a new event. But if the old crack simply extended, it will not be covered. I want to reach out to see if anyone have any experience with this. Since lowering the deductible will increase my premium, I’m trying to figure out if it’s actually worth it or if I should just keep the $1,000 deductible.
Will insurance cover windshield replacement after a new impact to an already cracked windshield?
byu/Legitimate_Gap8610 inInsurance
Posted by Legitimate_Gap8610
3 Comments
Timing is really what matters. You’d have to be able to prove that the damage occurred after the coverage change was made. So, take good photos of the entire windshield, multiple angles, take photos of the repaired damage. Make sure they’re backed up just in case.
It’s possible if the old damage gets worse you’ll have a hard time with the claim, but it’s hard to say.
Ask who ever you speak with it they have different coverage options for glass repair, many carriers offer deductible buybacks or similar programs where you would not have to take such a low deductible and probably sky rocket your premium. Also check state laws, some states have maximum allowable deductibles for safety glass repairs regardless of the policy deductible.
Depends upon your state law. In Florida, for example, it’s covered per State law.