What Should You Do When Hail Hits Your Windshield?Your auto insurance may be able to help when a hail hits your windshield.

Even if you’re the best driver in the world with reflexes that are comparable to those of Spider-Man and Anakin Skywalker, there’s only so much you can do to avoid accidents. The weather may be against you on a certain day and the violent atmospheric convection currents drop huge chunks of hail right at you! Suddenly, you’re facing the prospect of fixing a broken windshield—and paying the following repair bills.  If you’re caught in a hail storm and hail hits your windshield, do you know if your car insurance will be able to step in and cover you?

Auto Insurance Coverage for Windshield Damage

What you’re looking for is comprehensive coverage. If hail or some other object hits your windshield, and it isn’t due to a collision, your comprehensive coverage will have your back. Things like theft, branches, fire, or rocks are all included under comprehensive coverage. With Full Glass Coverage, you may not even have to pay a deductible for the repair of your windshield.

Repairing vs. Replacing Your Windshield

If your windshield is cracked, but not shattered, a qualified technician should help you determine whether it merits a repair or a replacement. Repair is generally much less expensive than a full-on replacement. Repairs should be made as soon as possible because cracks will only continue to grow. A good rule of thumb is the dollar bill test: if the crack can be covered by a dollar bill, then a repair is usually the pending action.

Your car shouldn’t have a broken windshield. It not only looks bad, but it may actually be a threat to your life! If another pebble hits your windshield, it could shatter and send you into a blinding accident. Make sure you’re covered so you can fix your windshield; contact Scautub Agency for all of your auto insurance needs. Our Scotia, New York team can help keep you – and your wallet – safe when you drive.