If you have been driving long enough, it is only a matter of time before you need Chandler auto window repair. Common causes of windshield damage include animals, falling branches, pebbles and unfortunately vandalism.

One of the decisions you have to make in this unfortunate event is whether you will pay for the repairs yourself or have your insurance cover the cost for you. The choice isn’t always so straight forward so there are a few essential factors you should keep in mind before reaching a final decision.

Your Insurance Coverage

Most motorists do not know whether or not windows and windshield are covered under their auto insurance policy. Keep in mind that this is an optional coverage, typically as a comprehensive policy. Common damages that your insurance may be willing to cover include;

  • Animal collision
  • Storms
  • Vandalism
  • Fires

You may want to first confirm that your insurance policy overs Chandler windshield repair before driving to the auto shop. It is also not uncommon for a policy to cover only the back and side windows leaving out the windscreen. A call to your insurance agent should clear this up.

Keep the Deductible in Mind

Your policy may cover your window damage but it may not make financial sense to go the insurance way. If the cost of the repair is lower than the deductible, there is no point of involving your insurance. Some covers don’t have deductibles at all in which case it may be worth letting the insurance cover the damage.

Effect on Your Premium

Some insurance companies increase premiums on glass damage caused by a collision. If you haven’t been involved in a collision, it is very unlikely that you are subjected to penalties or increased premiums.

Crunch the numbers to find out whether it is worth going through your insurance. If, for example, you stand to save only a few dollars it is much quicker and far easier to sort the issue yourself.

Also consider that each claim goes on your record. You may appear as a high risk client when this could have been avoided entirely.

How to Submit a Claim

Once you have considered all the factors and decided that insurance is the best financing option, it is time to file a claim. File as soon as possible. The process is straightforward and basically involves;

  • Making an online claim
  • Visiting the offices in person
  • Calling the insurance company

Simply speaking to an insurance agent can clear many of the questions and concerns raised here. Keep in mind that you might be required to physically drive to the insurance company to inspect the damage before proceeding.

Whatever you decide, make sure you find a competent Chandler auto glass repair technician to fix the damage. You may also ask a technician for advice on which option might be the best one based on your type of damage.

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