At RH Worthington Group in Milford PA, we get questions about windshield damage more than you might think. It happens to almost every driver at some point, and a lot of people are genuinely unsure whether their policy covers it or what the process looks like when it does.<\/p>\n
What Type of Coverage Applies<\/strong><\/p>\n Windshield damage typically falls under comprehensive coverage, not collision. Comprehensive handles things outside of a crash, like weather, falling objects, and road debris. So if a rock kicks up and cracks your windshield on the highway, that would generally be a comprehensive claim. If you only carry liability coverage, windshield damage would not be covered at all.<\/p>\n Repair Versus Replacement and Your Deductible<\/strong><\/p>\n Whether your insurer covers a repair or a full replacement depends on the size and location of the damage. Small chips can often be fixed quickly and at a low cost. Larger cracks usually mean a full replacement is needed. Your deductible plays into this too. If the repair cost is less than your deductible, it often makes more sense to just pay out of pocket.<\/p>\n A Few Things Worth Checking First<\/strong><\/p>\n Some states actually require insurers to cover windshield repairs with no deductible applied. It is worth taking a few minutes to check the rules in your area before you assume you know how your coverage works. Talking to your agent before damage happens is always the smarter move.<\/p>\n Let Us Help You Understand Your Policy<\/strong><\/p>\n RH Worthington Group in Milford PA is here to help you get clear on what your auto insurance coverage actually includes. Give us a call and we will make sure you know exactly where you stand.<\/p>\n","protected":false},"excerpt":{"rendered":" At RH Worthington Group in Milford PA, we get questions about windshield damage more than you might think. It happens to almost every driver at some point, and a lot of people are genuinely unsure whether their policy covers it or what the process looks like when it does. What Type of Coverage Applies Windshield […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[17,13,14,15,7],"class_list":["post-156","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-insurance","tag-milford","tag-pa","tag-rh-worthington-group"],"_links":{"self":[{"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/posts\/156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/comments?post=156"}],"version-history":[{"count":1,"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/posts\/156\/revisions"}],"predecessor-version":[{"id":157,"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/posts\/156\/revisions\/157"}],"wp:attachment":[{"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/media?parent=156"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/categories?post=156"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rhworthingtongroup.com\/blog\/wp-json\/wp\/v2\/tags?post=156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}