The auto insurance coverage for your vehicle includes additional covers, one of which is glass coverage. The full glass coverage policies include a claim for the damage to your vehicle’s windshield, windows, and other glass. It includes both repairing and replacement of the glass. Your insurer can also include this coverage in your comprehensive policy.
The laws of Georgia allow insurance companies to charge deductibles for replacement and repair services. In addition, several laws in Georgia govern how insurance companies manage full glass coverage.
What is Full Glass Coverage?
Auto insurance provides several coverages to your vehicle as per your car model and your needs. However, there is also a much-needed coverage, especially for expensive cars, which is glass coverage. Full glass coverage is a type of policy coverage that provides you with claims for the damage to the windshield, window glass and other vehicle glasses. It may be part of your comprehensive insurance, depending on your chosen company or insurer.
It may be possible that you already have auto insurance for your car, and this is not included in that. You can ask your insurance company to add it to your comprehensive, collision or liability coverage, whichever you have. Although to get a full glass claim and other glass repairing and replacement benefits, you can go for full coverage.
Major Georgia Laws for Glass Insurance?
Oftentimes, vehicle insurance companies in Georgia are not obligated to cover windshield repairs or replacements. However, various provisions were made to include comprehensive insurance coverage and vehicle upkeep. Under Georgia law, drivers must carry liability insurance while operating vehicles:
- According to state laws, a driver must have at least $25,000 of property damage insurance coverage for every accident.
- Insured individuals can carry $50,000 of coverage in coverable hospital expenses and $25,000 of coverage in authorized hospital expenses for every bodily injury they pay for damages they cause.
Besides this, there are some other important laws that drivers must follow. As per Georgia laws, the insurer or insurance company can offer you used windshields or ones made by aftermarket manufacturers. The insurance company can give you the windshield used or not your original equipment. In such a case, the company must provide you with a formal notice showing the windshield guarantee.
These laws are made to not offer glass coverage casually by insurance companies. The drivers have to follow some rules for getting hit coverage. Also, the insurance providers should keep in mind their state’s laws while giving this insurance. But you can find options in certain situations where you do not need to abide by these laws. Hence you can have this coverage without spending much money on different expensive policies.
Coverage under Auto Glass Repair Insurance
The auto glass coverage insurance provides safety for your car’s windshield glass and other glasses. You can add the glass coverage to your comprehensive policy or buy full car insurance. If you purchase separately, you will get the full claim at a better cost than making the addition.
Sara Routhier, Director of Outreach at AutoInsurance.org, lists some of the key points of coverage under this policy:
- This offers a claim for the damages to the windshield.
- The window glasses are also covered under this.
- If you already have standard insurance for your vehicle, the glass coverage may not be covered under it.
- However, it may be covered if you have liability and collision coverage.
- If you buy a full coverage policy, you can get coverage for the windshield and other glass repairs.
- The full insurance also covers the replacement of the glass.
- Generally speaking, the local laws governing this policy pertain to the whole amount of glass coverage.
When Are Glass Insurance Deductibles Waived?
All insurance companies do not waive the deductible for auto glass insurance. But there are some which would waive it in certain situations. For example, if you have a small crack or chip on the windshield and you are replacing it, the company might cover it while waiving the deductible. Although fixing a windshield cannot be expensive. Various mobile windshield repair stations can be found in parking lots. The cracks or chips can easily be fixed by these stations, provided they are smaller.
Many insurers provide you with the option of a deductibles waiver in other certain situations. These can be the minor repair requirements that can be repaired cheaply. If you have glass insurance coverage in addition to any comprehensive policy, it might be possible that no deductibles are being waived. But if you purchase a full glass coverage plan on your vehicle, that will offer this option in many conditions.
How can you modify your existing insurance policy?
It’s not mandatory to take glass coverage insurance to comply with Georgia’s laws. However, in case you are worried about the finances and need extra coverage, you have the option of sorting it out. First, If you already have a policy of insurance through your existing insurance provider, you can ask them to obtain a customized plan. This plan may include coverage for accidents and covers damages that are incurred while you’re driving. But, If your insurance provider provides coverage for the small breaks and abrasions on your automobile’s windshield, then you can make a claim accordingly.
You may choose another option that is less comprehensive if you decide on a comprehensive policy. A thorough policy can be extremely costly, as it covers several issues. Insurance insurers may allow you to pay for broken glass repairs or a certain type of motor vehicle using itemized bills or electronic transfer info. Your automobile insurance rates might also lessen if you pay for deductibles.
There are many insurance companies available that offer full glass coverage for your vehicle. In order to choose the best one for your vehicle, it’s important to know about its plans. The special laws made in Georgia for glass coverage play a major role in insurance companies working with this coverage. If you want to purchase it for your car, you can add it to your auto insurance policy or a comprehensive policy.