Your car’s windshield can get cracks whenever it hits a hard object like coconut falling onto the windshield when your vehicle was parked under a tree. It can get cracks when you park your car somewhere at the construction site, someone threw a rock on your windshield while it was parked on the road, and due to many reasons.
If your car had an accident, then your car insurance will surely incur the expenses to repair your cracked windshield.
Claim Windshield Repair Filing
Repairing your car’s broken windshield is an expensive job. It will not hesitate to empty most of the pocket. So, asking for the claim of your car’s windshield is okay. Don’t hesitate to ask your insurance policy agent.
Although you can ask for the expense either by submitting an online application or claiming it in person, and in case your car’s windshield has broken due to an act of vandalism, then it will be your primary duty to file an FIR against it, and then you can ask for compensation and repair of the windshield to your insurer.
After that, take your car to a garage that your insurance company has tie-ups with. Then you can get a cashless service there in order to use your car’s insurance. The garage personnel will inspect the damage to your car’s windshield and then guide you on the repair or replacement.
In case your car’s windshield has been damaged partially, then the expert will suggest you take a repair package for it. And in case your car’s windshield has broken completely, then they will recommend you replace it directly.
Also, they will calculate the overall expenses going to involve in this process and tell you a fixed number. If the costs are getting covered in the insurance, then your insurance company would take care of the cost.
In addition to this, if you don’t want to get the repair done from any network garage with your insurance company, then you can choose a different garage as well to get good service. Then you can submit those bills to your insurance company in order to get expenses incurred from your insurance.
Windshield Damages Covered Under Your Comprehensive Insurance Policy
Your car’s windshield may break due to many reasons. Either may fail due to the result of collision or non-collision.
A comprehensive car insurance policy is liable to take all expenses regarding your car, no matter if it is a result of any collision or non-collision incident. This includes damages caused due to unnatural acts like vandalism, theft, fire, accident, etc., and also includes due to natural calamities like floods, storms, fires, etc.
Although you can claim for expenses with your insurer in the following circumstances:
- Hitting by the debris and pebbles on the windshield of the car while driving
- Rocks, tree branches, etc. falling on the windshield of the car
- During the storm, hails fell on the windshield of the car
- Collision of the animals with the windshield of the car
- Football or Baseball crashing on the surface of the windshield of the car
- Damages caused due to an act of vandalism
Best Car Insurance Companies
In this section, we are providing you with the names of the best car insurance companies. This would help you to know the source. And also, it would be helpful for you to get your car insurance done. The list is as shown:
- IFFCO Tokio
- HDFC ERGO
- Bharti AXA
- ICICI Lombard
- Royal Sundaram
- Bajaj Allianz
- TATA AIG
- New India
- United India
- Future Generali
- Universal Sompo
- Raheja QBE
- Royal Sundaram
We have taken care of your concern and provided whatever you might ask us. But we suggest you go through this entire article once carefully and make sure that you are not missing anything important.
While facing such a situation, you might feel this is a lengthy procedure and all but believe me. It doesn’t need to consume your business days after this procedure. However, we admit it is a lengthy procedure, but it is not that long enough to be left. So, you might need to stick to the plan as it is.
This was it. Also, follow us for more updates regarding some important topics that may change your life differently.