Auto Insurance The Comprehensive Myth

Have you ever been driving down the road when an unsuspecting rock jumps in your way and cracks your windshield? This has more than likely happened to you at least once in your lifetime; and it will probably happen again.

And if you are like most drivers, you probably think that your insurance does not cover a cracked windshield. Or that if you do file a claim that your premium will climb through the roof.

Actually, a windshield crack is categorized under comprehensive coverage. This type of coverage consists of things such as theft, fire, and vandalism – anything but a collision. Although there is a deductible that you will have meet, there are many insurance companies that will pay for the repair since the cost is not high. And even if they are not willing to pay in full, make sure that you get the chip or crack taken autoe of as soon as possible. Small chips can turn into bigger cracks, and bigger cracks can be dangerous.

Comprehensive claims will not raise your insurance premiums. These are things that are not your fault, so in turn, the insurance company does not penalize you for them.

So before you get all bent out of shape over a simple windshield crack, you can rest easy. The fact of the matter is that you can get this fixed by filing a claim. And as mentioned above, you do not have to worry about your premium climbing through the roof.