The roads of Ohio present all kinds of hazards to the body of your car. Your windows and windshield are one part of your car that is especially vulnerable to damage. Whether You are driving in the city streets of Springfield, or the open country roads, you never know when a windshield crack could affect you.
When you do notice a crack in the windshield, it is incredibly important to act right away. It can be dangerous to drive around with a damaged windshield, for a variety of reasons. You likely won’t have time to navigate a difficult insurance process when seeking to repair or replace your windshield.
This is where a $0 deductible glass coverage comes in. Glass Claims are usually covered under your Comprehensive Coverage. However, did you know that you can actually have a separate deductible for Glass? At Link-Hellmuth Insurance we offer a $0 Deductible for Glass Claims. This is a coverage that must be specifically added to your policy, however, the price is more than affordable.
In fact, if you are carrying Full Coverage already, we encourage you to select the $0 Deductible so when a rock flies off of a tractor-trailer cruising down the interstate, you’re not having to pay anything out of pocket to have your windshield replaced. Most of the time, the glass companies will just meet you at your work during the day so they can have the windshield replaced before you’re ready to go home for the day!
Talk about efficiency!
Understanding Windshield Replacement and Insurance in Ohio
If you need your windshield repaired or replaced in Ohio, you may wonder if your car insurance company covers it. This depends on what kind of coverage you have on your policy.
You will need comprehensive coverage, and sometimes collision, to get help from your insurance company for a broken or cracked windshield.
Comprehensive insurance covers damages to your vehicle when you’re involved in an accident that wasn’t caused by a collision. Some examples include:
- Falling Debris
- Natural disaster
- Hitting an animal
However, if your windshield was damaged due to a crash with another vehicle, then collision coverage will apply. So it’s always recommended to have both.
If you have comprehensive insurance, you might not even need to worry about paying a deductible.
Link-Hellmuth can help you find an option for no-deductible glass coverage with your comprehensive policy. If you choose that option, you’ll be able to get your windshield replaced with no out-of-pocket cost.
The last thing you need when your windshield is damaged is to worry about whether or not you can afford to pay for it. Contact Link-Hellmuth today to add $0 deductible glass coverage to a cheaper car insurance policy in Springfield, Ohio.