Do You Have it and Do You Need It?
It’s always a good idea to have insurance coverage of some type on your vehicle, and in fact, there are some states in the country that require you to have insurance or at least certain types of insurance. This is so you’re better protected in case of an accident and in many cases it can protect you from being sued for everything you have. But one thing that not everyone gets is auto glass insurance coverage. This is where you’re going to have protection in case something happens to your vehicle and the glass needs to be replaced.
General Insurance Coverage
A lot of insurance policies are going to include things like medical, which protects you in case someone is injured in an accident. They’re also going to include some types of damage coverage, depending on the specific policy that you get. But taking care of any glass that breaks as a result of an accident or even vandalism is actually it’s own separate policy. This is something that a lot of people don’t notice and that’s why it’s important to pay attention to all of the fine print. Also, pay attention to what you’re really getting.
In most situations you’re going to need to add-on to your current policy. Now, if you already have a full coverage plan it may already be covered or included. If you have what’s considered a comprehensive plan this may be the same thing. For everyone else though, it’s something you’re going to have to get in addition to what you already have. Again, make sure you’re reading all the rules and the information carefully so you know what ‘full coverage’ actually means to your insurance company.
All of this means that the very first thing you should be doing is getting a copy of your insurance policy. You should have a copy already from when you signed up (either a paper one or an online version) or you can request one directly from the company. Read through it carefully and see what is and isn’t covered. You may find that there’s already a provision for glass, or you may find that there’s absolutely no coverage. That’s definitely not what you want to see.