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Many of Georgia’s drivers are mobile on a regular basis. From commuting back and forth to work during the week to explore the sights and sounds throughout the state in your free time, you may easily spend hours in your car each week.
During this time, there is a chance that your windshield could become damaged. While the primary purpose of your windshield is to protect you and other occupants in the vehicle from harm, the windshield could take a significant beating in the process.
Regardless of whether you have a small chip in your window from a pebble striking the auto glass or you have a significant crack or shatter, repairing or replacing the glass quickly should be at the top of your to-do list.
Your windshield is less protective and more likely to completely shatter or break when it has already been damaged.
If you have already requested a few quotes from reputable glass service providers in Georgia, you may be concerned about paying this expense out of your pocket.
The good news is that some Georgia drivers could potentially file a claim against their full glass replacement coverage in their auto policy.
Do Georgia drivers have a zero-deductible auto glass insurance clause?
You may be aware that Georgia drivers typically must pay a deductible each time you file a claim against your auto insurance policy. The deductible is paid initially by you, and additional repair expenses that are covered by your policy may be paid by your insurance company.
Some drivers in Georgia have set up coverage that includes a zero-deductible amount for full glass replacement claims, but there is not a state law that requires insurance companies to offer this type of coverage.
Many drivers in Georgia must pay at least a small deductible amount to use full glass coverage benefits.
There are no specific rules in Georgia state law that require car insurance companies to offer full glass replacement coverage at all.
In most cases, you will find this type of coverage associated with comprehensive insurance rather than liability or collision coverage. Comprehensive insurance is a more inclusive type of auto insurance that pays for your repairs up to the limits of your coverage for a variety of damaging events.
Your specific limits and deductible amount for full glass replacement can vary from the limits and deductibles for other types of claims, if you have full glass replacement coverage at all.
If you have verified that your current Georgia auto insurance policy includes coverage for full glass replacement, you need to carefully compare the limits and deductible for this coverage against a few quotes that you have obtained from local glass replacement service providers.
When the cost of service is less than or very close to your deductible amount, you may discover that it is not worthwhile to file a claim.
Keep in mind that your future insurance rates could increase if you file a claim, and this potential cost should be weighed into your decision-making process about how to pay for glass repair or replacement work.
If you have discovered through this process that your glass replacement coverage is not advantageous or beneficial, you can take the opportunity to review other coverage offers available.
Remember that your windshield in Georgia could be cracked again at any time, and you can benefit by upgrading your coverage now to meet your future needs more fully.
Do you know the glass replacement laws in Georgia?
Many Georgia drivers are not aware that local laws enable auto insurance providers to pay for aftermarket or used auto glass for these types of services.
The service provider must notify you of this in writing and provide you with a written guarantee. In the event that you opt to obtain new glass for your windshield replacement service, you will be required to pay any difference in the cost.
If you are paying for the glass replacement service out of your own funds, you can request new or used glass.
You could potentially save money by using used glass. Obtaining quotes for both types of materials can help you to decide how to proceed.
If you file a claim for full glass benefits in Georgia, state law indicates that the insurance company can select the repair company that is used to complete the work.
However, you could potentially choose your own repair company, but you would be responsible for paying any difference in cost. Drivers who pay for this expense outside of an insurance claim have full right to choose the repair company of their choice.
Do you need to update your full glass coverage today?
Filing a zero-deductible claim for auto glass replacement is an ideal situation that can eliminate any out-of-pocket expenses.
However, many Georgia drivers do not have this type of coverage. If you are looking for improved coverage in this area, spend a few minutes shopping around until you find a provider that offers this benefit. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!