One of the additional guarantees that you may need when hiring your car insurance is the glass coverage. We explain how it works, in which situations it applies and what are the elements that are included in it.
If you want to take out the best car insurance, you most likely want to find coverage that fits your needs but also fits your pocket.
Today, there are a large number of companies that offer a wide range of offers and promotions. And there is insurance for all tastes, from the most basic to the most complete.
In this sense, when comparing the different policy options, we advise you to take into account all the coverages that exist and not only those imposed by law such as civil liability.
Many of the coverages that you can contract together with your car insurance will seem useless, however, in the event of an accident or any type of claim, they can be very useful.
One of the guarantees that you can include in your insurance policy and that can save you a few dollars in the event of a loss is the window insurance coverage.
Let’s review in this guide what it consists of and in which cases it should be used.
Glass coverage: what does it consist of?
Windshield coverage consists of compensation from the insurer in the event of an accident and where the front window (windshield), the rear window or the side windows of the car have broken.
Generally, the glass insurance covers the repair or total or partial replacement of these glasses. In turn, the insurer will assume the labor used for the removal of the damaged windows and the installation of the new windows.
What are the elements that the glass insurance does not cover?
If your car has other types of glass, apart from those we have mentioned above, it is important that you know that each company will set its own exclusions in this regard.
In this sense, the crystals that are not usually included in this type of policy are:
- Rear view mirrors both interior and exterior.
- Lights or indicators of the car.
In the case of sunroofs, there are insurers that include them within the coverage provided that it is part of the standard equipment. However, much of the window insurance excludes this element.
In which cases can the windscreen cover be valid?
The windscreen coverage is valid when they have been damaged as a result of an accident or loss beyond the control of the driver or the insured.
You must know that any damage caused by use or by small impacts on the car cannot be part of the insurance coverage.
You should not forget that in case of theft or fire, it will be this coverage themselves that will assume the compensation of the windows in case of having them.
At the same time, if you have taken out a policy with coverage for your damage, all the glasses excluded within the window insurance may be covered by this guarantee.
What are the advantages of window insurance?
Although many consider that glass coverage is not an essential product when choosing car insurance due to the low value of compensation compared to the cost of it, it presents an advantage that should not be missed.
In effect, if you take out a car policy with window coverage, your insurance will automatically become “consortial”.
That automobile insurance is «consortium means that this policy will receive all the guarantees. In the event of a claim due to Extraordinary Risks, it is this entity that will have the obligation to assume the coverage.
Where are damaged windows repaired?
Contrary to what many policyholders believe, the company cannot dictate the repair shop. Quite the contrary, each client is free to choose the place that suits him best.
However, the vast majority of companies recommend one of their partner workshops to do the glass repair.