What to Expect from Car Insurance for Auto Glass Repairs

One of the most common forms of auto repair that many people fail to contemplate when they obtain coverage is windshield and auto glass repair. Even though it can sometimes be easy to overlook the likelihood of its occurrence, it makes sense that broken, chipped or cracked windshields and windows can occur without notice due to the hazards of the road. Between large tractor trailers that can chuck debris at your vehicle without notice, to inclement weather that can turn nasty in the blink of an eye, the dangers your windshield and auto glass protect you from while driving are vast. Because of this, they can be very susceptible to an array of accidents.

Another thing that many do not know is that most auto insurance policies offer some form of coverage for auto glass replacements and repairs. When the damage is caught quickly, it can often be repaired without any out of pocket costs. This obviously provides incentive for drivers to rectify any small forms of damage as soon as possible, but what can be expected when you file an insurance claim for damage sustained to your windshield or windows? In the following article, we will discuss some of the important aspects of the process you should know before you file a claim.

Who’s Covered?

If you currently have comprehensive coverage on your automobile, then you are virtually assured to be covered in the event your windshield or windows need servicing by an auto glass technician. The main difference between comprehensive coverage and other forms of auto insurance is that comprehensive coverage protects you against damage caused by accidents and collisions that are not vehicle-related. This means that a falling branch, hail or other forms of damage that can occur to your windshield replacement are covered. Before you buy auto insurance, however, you should ask whether or not the coverage handles all forms of glass replacement and repair.

What’s Covered?

As mentioned above, most comprehensive auto insurance policies provide protection and assistance for needed windshield repairs, replacements and any other glass or window-related issues. In many cases, there is a deductible that you will have to pay before your insurance covers the remainder of the cost, but insurance policies can also be purchased with little to no deductible. In most cases, all window and windshield repairs are covered under your insurance, while windshield replacements may only be partially covered. This is due to a windshield replacement being much more costly than a typical windshield or window repair job.

Before You File

What exactly should you consider before you file an auto insurance claim for repairs to your auto glass or windshield? For starters, the deductible should be a prime concern. In the uber vast majority of cases, any needed repairs will be covered at no cost to you. Replacements, however, are a different story. In some cases, a deductible can be as high as $500 – which means that you have to pay this amount before the insurance will kick in and foot the remaining portion of the bill. In many cases, an auto glass replacement job will not cost this much, so some simply opt to pay out of pocket instead of filing a claim.

In other cases, the deductible may be much lower – from $100 to $250 – and makes more economic sense to file a claim. Other times, you may find that your deductible and the total costs of repairs are quite similar; maybe your deductible is $300 and the cost of repairs is $325. At this point, you will need to make a decision as to whether it is worth the time to file a claim for the relatively miniscule amount provided toward the replacement costs.

The Filing Process

If you have ever filed an insurance claim for car-related repairs or damage in the past, then you already know how to handle the process. If not, then you will need a few pieces of information before you can begin. For starters, you need your auto insurance policy number and details about when and where the damage occurred. In addition to this, you will also require your vehicle details, such as year, model and make, in order for insurance agents to corroborate your claim. In most cases, you will also need to have the damage repaired before filing a claim, although it never hurts to check beforehand with your auto insurance company for any precise details on how to proceed from start to finish. Many larger auto glass franchises such as Safelite and Glass America will even file the claim for you.

Conclusion

Whenever damage to your auto glass happens, it is vital that you act quickly to resolve the issue. Whether it is a simple repair job that is needed or a comprehensive replacement of windows and a windshield, your insurance policy most likely provides some or total coverage in the situation. As you are now aware of who is covered, what is covered and what to expect, you can breeze through the claims process with less stress and added confidence.

Watch Out for These Distractions While Driving

Since the invention of the automobile, manufacturers have sought ways to improve safety conditions inside the vehicle and road conditions alike. The very first automobiles featured auto glass that was no different than what is found in traditional windows; many early accidents proved deadly due to the fact that this glass would shatter and create shards, injuring drivers. Over the past few decades, however, auto glass has been revolutionized to ensure that these sorts of mishaps do not occur. Likewise, increased safety regulations in automobiles and highways have led to safer conditions for all who use them.

This does not prevent any sort of accident from occurring while on the road – some things are simply unavoidable. There are, however, many types of distractions that can be avoided that would otherwise prove deadly if the driver is not aware of how to handle them. Whether you drive on a regular basis or only need to be behind the wheel on occasion, it is important to be prepared and know what to look out for. In the following article, we’ll discuss common distractions that you’ll encounter while driving and why it’s so important to minimize their occurrence.

Driving and Texting

Until about a decade ago, this type of distraction was relatively unheard of. Multiple studies have shown that using a cell phone to text or read messages while driving impairs you just as much as being drunk behind the wheel, so it comes as no surprise that accidents and fatalities occur on a daily basis due to this activity. Some people have used the excuse that they simply cannot avoid the distraction of the phone while behind the wheel, but there are solutions to this problem.

Several apps have been developed recently that can intercept phone calls, emails and text messages while you are driving, and alert the individuals to the fact that you are currently unavailable. These apps can be found on Android, iOS and other phones’ app marketplaces. Most of them are free and do an excellent job at mitigating any risks associated with texting and driving. If you simply cannot justify avoiding the phone altogether, there are also hands-free apps that can use your voice to type out text messages and respond to emails.

Loud Music

It is important to have access to all five of your senses while behind the wheel, but all too many people ignore this critical advice and instead, immerse themselves in loud music while driving. Who doesn’t enjoy listening to their favorite tunes while driving? One study by Esurance found that the volume of your music matters much more than whether or not you listen to music; it is not the simple presence of music that can lead to driving distractions. With tens of thousands of annual accidents involving automobiles, it certainly is worth pondering how many of these could have been avoiding had the driver not been distracted by loud music.

Again, we’ll emphasize: this does not mean that you cannot listen to music and be safe while behind the wheel. It does mean, however, that the volume should be kept at a reasonable level – one where you can hear the sounds of other vehicles and traffic around you. The same study also noted that music you like is more distracting than music you do not like: this most likely relates to the fact that people tend to “get into the music” they enjoy while driving. If you suddenly feel distracted but do not want to drive in silence, then try listening to a radio station or type of music that you might not otherwise enjoy.

Inclement Weather

Another distraction over which you will have less control is the elements. Whether it’s rain, snow, wind or thunder, these elements can create driving conditions that make it harder to concentrate on the road ahead. Precipitation may prove to be hazardous when it comes to obstructing your line of sight, while wind can push your vehicle to and fro across the road. Whatever the case, you can avoid these distractions with one or two solutions.

If it is raining too hard for you to see, then the obvious solution is to pull over and wait the storm out. In some cases, you may be able to drive in the rain but loud noises (such as music) can further distract your attention; you should eliminate these distractions from the cabin so that you can focus on the road ahead. Gusts of wind are harder to avoid, so you’ll need to keep your attention focused on driving if it gets too bad. By rolling up your auto glass, you can minimize the effects that the wind will have on you directly.

Conclusion

A variety of driving distractions are just a part of everyday life. It is worth noting that you cannot avoid everything the road throws at you, but some elements can be eliminated from your driving experience altogether, while proper planning can help further minimize the effects of others. If you want to be safe, then be sure to turn down the music, ignore your mobile devices and be ready to act quickly to any inclement conditions that may arise.

Adam Griffin at www.acewindshield.net is the author of this article.

Three Ways Auto Glass Advancements Have Led to More Convenience

As technology and industry continue to grow more and more intertwined, a variety of new advancements and conveniences continue to emerge in our daily lives. One notable example is how the internet and consumer spending have combined to create the online world of shopping many take for granted. While the internet itself continues to revolutionize just about every aspect of society, other areas of the economy also contribute to an ever-evolving society. Did you know that your automobile glass is infused with dozens upon dozens of advances that were the result of decades of research and development in several areas?

Many would struggle to consider how auto glass plays an important role in their lives other than the most basic concept: it keeps wind and debris from flying in your face while driving. But the truth is that auto glass provides so much more – in and out of your vehicle. Today, we’ll discuss four cool advancements in the auto glass industry that later made their way into both other types of glass and other products.

Self-Tinting Film and Electric Windows

Your home is a place of comfort. Your home can also be a costly investment, so you want to be sure that any additional investments made into it are worth their costs. As of late, the arrival of self-tinting film for residential windows has become something that’s not just for the uber-wealthy. Self-tinting film designed for use in homes can not only block out unwanted light, but it also can prevent UV rays from entering the home, which are known to lead to skin cancer. This self-tinting film will respond automatically to any condition, letting in the right amount of light for you and your family.

The original notion of both tinted windows and the self-tinting mechanism in this revolution was inspired by automobile glass used in windshields and side windows. Auto-dimming mirrors are another part of the inspiration behind this convenient and value-adding addition to your home. Another huge advantage of self-tinting film for the home is long-term savings generated from lower utility bills during the summer.

Not only do “low-tech” forms of self-tinting film exist, but a variety of new windows that feature electric currents have revolutionized the same principles mentioned above. These windows can actually be controlled just like any other appliance or system in the home, and can be used to set the windows’ opaqueness to a desired level – or to block visibility from the outside into the home. This makes for an even better choice than the self-tinting film, as it can be adjusted to maximize energy savings in both the summer and winter (not to mention, offer great views of the outdoors without others being able to see in). The basic components behind this advancement stem originally from windshields and windows that can sense rain or remove frost from themselves.

Metallic Glass

Do you like to play golf? If so, then you probably have an affinity for your favorite putter. In many of the newer high-end golf clubs you’ll find on the market, there is component inside of them known as metallic glass. This material allows the golf club to be bent more than was previously possible, but allows it to also snap back to its original shape. This combination of strength and flexibility is a godsend for professional and hobbyist golfers alike who care about their form, follow-through and performance of the club.

Metallic glass has its origins rooted in the automobile glass industry. Windshields are designed, much like these golf clubs mentioned above, to bend and flex under pressure and temperature. Added strength in automobile glass was achieved through a variety of advancements and encouragement from safety lobbying groups that ultimately influenced manufacturing regulations. These developments have allowed for a whole host of auxiliary products (like metallic glass) to be born.

Mobile Phones

Almost everyone today has a mobile device of some sort, and a large percentage of these devices now come with ample amounts of glass in the form of touchscreens. The mobile device industry has been enhanced perhaps more than almost any other modern convenience we enjoy when it comes to a variety of industrial breakthroughs. In the case of glass, however, the advancements are stunning.

Tempered strength techniques and scratch resistant polymers that were first designed to minimize the need for windshield repairs and windshield replacements have given way to sturdy, long-lasting screens on phones and tablets that take considerable damage before they succumb to cracks. Even just a few years ago, mobile screens were flimsy and weak, but the increased prominence of them in many devices have led to technologies being developed for the auto glass industry needing to be incorporated at accelerated rates.

Conclusion

These are just three of the many dozens of conveniences and advancements you now enjoy as a result of changes in the auto glass industry. With more than one hundred years of constant innovation, it seems likely that the protection between you and the elements on the road will continue to deliver more and more safety, convenience and value for us for decades to come.

John Stanford: Windshield Replacement Indianapolis