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Working with your AAA insurance agent to discuss your options is a good way to make sure all your insurance needs are covered. Costs range from 150 to 300, with an average of 214. Your comprehensive insurance pays the cost to replace your windshield, minus the $250 deductible you're responsible for. The cost to replace a windshield varies based on the make and model of the car. While you're driving on the freeway, a rock falls from the truck in front of you and cracks your windshield. You have a new car and comprehensive coverage with a $250 deductible. If you didn't have comprehensive insurance in this scenario, your collision or liability coverage wouldn't pay for the damage and you would be totally responsible for the $12,000 loss. After your vehicle is destroyed in a wildfire, you receive a settlement payment of $11,000 (your vehicle's $12,000 value less your $1,000 deductible). You drive a Toyota Corolla with an actual cash value of $12,000 and you have comprehensive coverage with a $1,000 deductible. If you're financing or leasing your car, the lienholder or lessor may require comprehensive coverage.Įxamples of comprehensive insurance Scenario 1 If you have a newer vehicle, you'll most likely want comprehensive insurance to protect you from damage or theft. When deciding whether to get comprehensive coverage, you should consider the risk. To pay for damages from hitting a tree or another type of collision, you'll need collision coverage. It also doesn't cover engine failure or other mechanical problems. At Progressive, if your glass can be repaired instead of replaced, then you wont have to pay anything in most cases.
DOES AAA AUTO INSURANCE COVER WINDSHIELD REPLACEMENT FULL
What isn't covered by comprehensive insurance?Ĭomprehensive coverage doesn't apply to normal wear and tear. Does car insurance cover windshield damage If you have comprehensive coverage, then you should be covered for auto glass repair, including a full windshield replacement. Hail or other storm and natural disaster damage.You hit an animal, causing damage to your vehicle.An object such as a tree falls on your car Helpful resources Auto claims process Home claims process Claims Valet Service.Your car is damaged during a riot or civil unrest.Some of the scenarios your comprehensive insurance covers are: Most comprehensive car insurance policies include the windshield replacement in its coverage, but they only replace it with aftermarket glass, instead of OEM glass. Choosing a higher deductible will lower your monthly premiums, but keep in mind that if you have an accident, you'll have to cover the deductible out of pocket before your insurance starts paying for the damages. Deductibles can vary depending on your location and circumstances. Your deductible is how much you'll pay before your comprehensive coverage applies to your loss. What options do I have for comprehensive deductibles?