Does your auto insurance policy cover a cracked windshield?

It happens to the best of us. Your car is parked under a tree, near a building site, or you’re driving behind a construction truck – somehow the windshield gets hit with debris. The pesky rock can pick up some speed, causing your windscreen to crack.

What to Do
Rather than ignore the small crack, you should inspect it to determine whether you need to simply repair the windshield or replace it altogether. The crack will undoubtedly get bigger with time, and should your windscreen get hit again, this can spell trouble for the driver. It’s best to replace the glass before the crack turns into a dangerous driving situation for the motorist.

Does My Auto Insurance Cover the Break?
Fortunately, if you have comprehensive coverage and a glass claim is covered, then chances are you’re covered for a cracked windshield. First, you need to determine whether it is, in fact, a candidate for repair.

Measuring the length of the crack will help you determine the damage. If it is less than 6 inches long, it may be a candidate for repair. If the damage is quite minimal (think of a bulls eye or star crack), then a repair is indeed an option. Typically, anything larger and longer than a 6-inch break requires a window replacement!

To protect your car from further damage and reduce the output of your finances, contact North Central Insurance to get started on your auto insurance coverage. Our professionals in Elk River, serving motorists in the neighboring cities in Minnesota, can aid you in tailoring coverage to your specific needs and budget.