HOW TO COVER WINDSHIELD REPAIR COSTS THROUGH CAR INSURANCE

Sometimes it happens because of weather extremes, sometimes it is an accident and on occasion it may even be because of a couple of rowdy teens. The fact of the matter is, windshield cracks and chips are one of the most common fixes you will need to make on your car. It is so common that there is an entire industry dedicated to Toronto auto glass repair. With such happenings being common place, every auto insurance package should cover windshield repair costs. However, before pulling out your wallet, contacting your insurance company and dealing with the finances, there are things you should be well aware of.

Quotes: Go to different auto glass companies and get as many estimates as possible. These estimates may vary greatly, but remember, not all quotes are made equal. There are certain things you should look into after you receive a final number. Look into each company. Are they using top quality glass, urethane and primers? Is it a company that provides 24/7 support and are all their technicians certified and back ground checked? Does the service come with a warranty? Be vigilant, otherwise you may find yourself moving head first into an auto glass scam. Once you differentiate the Toronto auto glass companies that check out, then you are free to look at the type of deal each of them are offering.

Picking an auto glass company that works with your insurance: Once you find an auto glass company that you are willing to entrust the job to, contact your insurance company. Most major auto glass repair shops in Toronto work with the big name insurance companies. This means the repair shop themselves can file your insurance claims. This saves you the time and effort of going through cumbersome paperwork. Even if the repair shop you have chosen is well known, it is always better to run it by your insurance company, just in case. It is always better to be safe than sorry. Shop around for an auto glass company that will accept insurance as a form of payment.

Insurance Plan: Most auto insurance policies will cover the costs of minor repairs which have to be made to your windshield. You may have coverage, but the cost may be below your deductible, in such a case you will have to go out of pocket. When an auto glass company gives you a final estimate, run it by your insurance company before making any assumptions. You have to do this because if the cost is above the deductible, you will be responsible for covering any deductibles that may apply. A lot also depends on the sort of claim you make. If you go with a ‘no fault’ claim the insurance company should cover it and as an added bonus, the cost of your insurance will not go up. It all boils down to your plan, the insurance company and locality. A basic plan will cover most small repairs but not a replacement. While a comprehensive plan will cover all the costs. However, this may be different depending on your locality. In Canada, auto insurance is regulated by provincial governments so it differs from province to province. Ontario has different rules compared to Alberta. You have to be fully aware of the type of insurance policy you have on your car. 

Accidents happen; it is a sad fact of life. It is a blessing if your insurance covers any repairs associated with your windshield, depending on the damage, they can be quite pricy. If you want your insurance to cover any damages you, yourself have to be careful. It is all about going with the right quote, picking the right auto glass company and having a thorough understanding of the policies of your insurance company.