Chips and cracks in windshields can be a nuisance, and getting them repaired or replacing them is necessary. Ignoring the crack, especially near the windshield’s edge, could lead to more severe damage. For many people, insurance will cover a significant portion of the repair or replacement cost, depending on their coverage. However, for some, insurance may not cover anything. If you fall into this category, you could be facing a hface. It would be best to consult an insurance agency like Allen Jones Insurance Agency in Seguin, TX, to avoid such unexpected expenses.
The law does not mandate Windshield Coverage.
Windshield repair and replacement are covered by comprehensive insurance. However, Texas law only mandates coverage for property damage and bodily injury, i.e., liability only. Therefore, if you opt for only the legally required minimum coverage, you may have to pay for windshield replacement or repair out of pocket. This can be a nasty surprise when you take your car in to get the damage fixed.
Comprehensive coverage is not that expensive, and it’s much cheaper than paying for repairs yourself. Remember, chips can only be repaired under certain conditions; they can’t be directly in your line of sight, and they can’t be larger than a specific size. If they are, you’ll have to replace the windshield, which is significantly more expensive than any insurance premium.
If you don’t have comprehensive insurance, you should consider contacting an agency like Allen Jones Insurance Agency in Seguin, TX. Increasing your auto insurance coverage to include comprehensive and collision, along with other coverages, can help protect you financially and provide peace of mind should something happen to your windshield.
