A car glass repair garage can waive your deductible amount for replacement of your windshield under three regular circumstances:
- Replacement of the windshield will be insured under your collision insurance.
- The replacement windshield will be covered under your comprehensive insurance policy.
- The new windshield is installed in a ‘zero-deductible’ state.
Many people have the notion that ads regarding waiving deductibles are an indicator of bad practices, but that is not the truth. This article focuses on explaining the scenarios that permit a deductible waiver.
What is a Deductible?
Car insurance expenses include an item called a deductible. If your car is involved in an accident, your car insurance will pay a huge percentage of the costs to repair the damage. But the deductible is the sum the owner of the car is obligated to fork out of their own coffers for repairs. For instance, if you run up a total of $5,000 in repair expenses and your deductible is set at $500, you cover the $500 and the insurance policy covers the balance of $4,500.
Generally, car insurance deductibles average between $100 and $2,000. Hence an offer pledging to waive the deductible is seen as a favorable one.
Let us dive deeper into the three conditions under which your insurance deductible required for replacement of your windshield could be waived.
Collision Insurance Coverage
If your car was a party in an accident brought about by another vehicle, any windshield damage is catered for by standard collision insurance. Pennsylvania insurance law is “choice no-fault” which permits drivers to have either traditional or no-fault insurance. Either way, the driver who is responsible for the damage of your car is required to have their insurance cover the cost of repairs for your vehicle. This is inclusive of the deductible.
Comprehensive Insurance Coverage
Vehicle owners who have taken comprehensive insurance policies are likely to have car glass replacement or repairs covered. Comprehensive policies include damage by animals, falling objects, vandalism, break-ins, natural disasters, and hail damage. Cracks or chips that are caused by other elements besides an accident are still repairable with comprehensive insurance waiving the deductible amount altogether. Check with your insurance company to confirm whether a deductible is obligated for windshield replacement or repair in such a scenario.
Currently, there exist three states which demand that insurance companies give up the right to claim the deductible for windshield replacement. To guarantee vehicle safety and to deter drivers from driving cars with damaged windshields, these states demand that the total cost of replacing the glass be covered under comprehensive insurance. The three “zero-deductible states” are South Carolina, Massachusetts, and Florida.
Misconceptions About Waived Deductibles
Some people believe that waiving of deductibles is unethical or illegal since it exaggerates repair estimates or disadvantages insurance companies by reducing their earnings. The three circumstances highlighted above are perfectly lawful methods in which the deductible amount for replacing a windshield could be waived.