Delaware Windshield Replacement Insurance: What are the Full Glass coverage laws in Delaware?

In Delaware, it’s only illegal to drive with windshield damage if it obstructs the view of the driver. Ask your provider about $0 deductible options for DE cracked windshield insurance coverage.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Jun 11, 2020

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Things to remember...

  • A cracked or shattered windshield is a structural vulnerability that could increase your chance of being in an accident or injured on Delaware roads
  • Delaware motorists who have a comprehensive auto insurance policy may be able to file a glass replacement claim to pay for the damage
  • Unless you have a zero deductible claim option for glass replacement, you will need to pay your deductible when you file a claim

Can I drive with a cracked windshield in Delaware?

One of the primary purposes of your windshield is to protect you from the elements and flying objects while you are cruising at a high rate of speed on Delaware roads.

However, in the process of completing this important task for you on a regular basis, your windshield could be struck by large or hard objects that cause the glass to shatter or break.

In some cases, only a small chip will be present, but a chip that is not immediately repaired could spread into a large crack.

Your windshield glass must be completely intact and undamaged in order to be fully protective. Any type of damage can weaken the glass to create an increased risk of injury, and it could also affect how well you can see out of the window while driving.

It is unsafe to drive with any type of damage on your window, so you may be eager to find a reputable auto glass repair company in Delaware to remedy this situation for you quickly and find insurance coverage for a cracked windshield.

If you have already taken time to get a few window repair or replacement quotes, you may be wondering if filing an auto insurance claim for the windshield replacement work is a smart idea or if it is even an option that you can consider.

Understanding more about Delaware laws regarding windshield services and reviewing your auto insurance policy may help you to decide the best course of action.

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Do Delaware drivers have a zero deductible option for auto glass replacement?

You may have heard that some drivers have been able to get their windshield replaced without paying any money out of their own pocket, and this happens through a zero deductible insurance benefit for auto glass replacement work.

While some U.S. states require auto insurance companies to include this in their policies, Delaware leaves this up to the discretion of each insurance company.

Therefore, if you want to determine if you need to pay a deductible or how much the deductible may be for this type of claim, you must contact your auto insurance provider or review the details of your policy carefully.

Because Delaware does not legally require a zero deductible benefit for all policies, you may need comprehensive insurance to enjoy this coverage benefit.

Remember that liability insurance coverage pays others for damages you cause to them while driving, and collision insurance only pays for your repair costs if you are involved in a collision accident.

What is comprehensive insurance?

Comprehensive insurance pays for other types of damage to your car, such as if a rock pops up and damages the windshield.

When you review your current auto insurance policy, pay close attention to the amount of your deductible. Some drivers may be pleased to discover that they do not have a deductible for this type of claim.

Others will discover that their policy requires a full or partial deductible to be paid before insurance will pay any remaining costs for the replacement.

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Can I file a claim with my auto insurance company if I have a cracked windshield?

Savvy Delaware drivers will compare the quotes they have received from several reputable glass service providers against their auto policy’s deductible requirements.

When you take this step, you will be able to determine if there is a financial benefit associated with filing and claim and the value of that financial benefit, if any. What types of materials can a Delaware glass company use?

You may be surprised to learn that a Delaware glass company does not have to use brand new glass to complete the replacement project for you.

In fact, when they give you written notice beforehand, they could potentially use pre-owned or used glass.

You have the option to refuse this type of glass for your replacement project, but you should understand that the cost of your service may increase as a result.

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Where can I find someone to repair my cracked windshield in Delaware?

If you have decided to file an auto insurance claim to pay for your damaged windshield, your insurance provider may recommend or even require the use of a specific glass repair company. Idaho does not have a legal requirement mandating this or forbidding it.

Therefore, your policy’s terms will determine what your options are. If you have the option to choose your own glass company, focus on the following factors

  • cost
  • availability
  • materials options
  • reputation

If you have a zero deductible claim option with your current auto policy, you may be pleased with this overall experience.

However, if you had to pay a high deductible or if you had to pay for the entire replacement service yourself, you may consider shopping for new coverage today. Some auto insurance companies offer substantially better coverage for window glass replacement than others.

Compare car insurance quotes for the coverage you need to replace your broken windshield.

References:

  1. https://www.angieslist.com/articles/why-replacing-cracked-windshield-important.htm
  2. https://www.thebalance.com/do-i-have-windshield-insurance-527088
  3. https://www.allstate.com/tools-and-resources/car-insurance/zero-deductible-insurance.aspx
  4. https://www.iii.org/article/what-is-covered-by-collision-and-comprehensive-auto-insurance
  5. http://www.dailyu.com/life/3-real-dangers-of-a-cracked-windshield/

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