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The issue of windshield damage may most commonly be associated with auto collisions in Pennsylvania, but you could face this type of damage by simply driving down the road.
Regardless of whether you are driving in an urban, suburban, or rural area, your windshield may be impacted by a large or hard object with great force.
Windshields are designed to be strong enough to withstand some force so that they can protect you as you cruise through Pennsylvania, but some forces are strong enough to create a crack or chip in the glass, including:
- Ice or hail
- Rocks or pebbles
- Miscellaneous projectiles
A common misconception is that a windshield with a small chip or seemingly minor crack is purely a cosmetic issue, and repairing or replacing the glass in this type of situation or optional or could be delayed until a more convenient time.
In reality, however, any damage to your windshield, regardless of how small it is, could:
- Decrease your ability to clearly see the road
- Create a structural vulnerability in the grass
- Redue the protective nature of the glass
Now that you are aware of the urgency associated with repairing or replacing your damaged windshield, the question of paying for the damage may come to mind.
Some Pennsylvania drivers have excellent auto coverage that may pay for some or all of the repair or replacement expense.
However, coverage options vary dramatically in this state, and you must carefully review your policy if you want to make an informed decision about how to fix your windshield. Compare rates with our free quote tool above!
The Option for Pennsylvania Zero-Deductible Glass Coverage
With a zero-deductible full glass coverage option on your auto policy, your insurance company pays for the cost of the repair or replacement work up to the limits of your coverage and without you having to pay a deductible.
However, if the coverage limit is less than the replacement cost, you will have to pay the difference.
Pennsylvania does not legally require auto insurance companies to offer zero-deductible auto insurance for glass services, so each motorist will need to review their coverage to determine if they have access to this beneficial insurance option.
While a zero-deductible coverage option for full glass replacement is available to some drivers in Pennsylvania, many motorists do not have this coverage or have a deductible associated with their coverage.
If you have a deductible for full glass coverage, you need to compare your deductible amount against the quotes that you have received for glass repair or replacement work. You also should analyze your coverage limit.
These important details will help you to determine if filing a claim would be beneficial or not.
Comprehensive insurance is the type of coverage that often has full glass replacement benefits, but this is not true for all comprehensive policies.
Generally, a comprehensive auto policy includes benefits for repair work or even a full vehicle replacement if your car is stolen or damaged by weather events, roadway incidents, collisions, fire, and more.
Keep in mind that your deductible and limits for general comprehensive insurance may not be the same as the coverage for full glass service.
Through this effort to research your current auto coverage, some Pennsylvania drivers may be dismayed to learn that they do not have coverage or that the coverage terms are so unattractive that it does not make sense to file a claim.
If you are in this situation yourself, you could spend a few minutes exploring other coverage options available so that you can enjoy better benefits the next time your windshield is damaged.
Selecting a Material and a Vendor for a Replacement in Pennsylvania
Commonly, Pennsylvania drivers may believe that when they pay a reputable glass replacement company to install new window glass that they will use OEM glass.
Pennsylvania law, however, does not prohibit the use of aftermarket glass, and it also does not require glass companies to disclose this fact to you in writing before they complete the work.
More than that, if you file a claim for glass replacement, your insurance company may even require the use of aftermarket glass to keep costs as low as possible.
Comparing options by getting quotes from different glass companies is smart if you are concerned about the material type that may be used for this service.
Pennsylvania does not have laws regarding the type of material that is used for glass replacements or the necessity for auto insurance companies to provide zero-deductible glass replacement coverage.
It does, however, give consumers the freedom to select the glass company they prefer to complete the work.
Comparing consumer reviews, quotes, materials used, and more can help you to decide which provider to use for this project.
Remember to make upgrades to your auto coverage today if your insurance policy does not have beneficial glass coverage terms. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!