Full glass coverage is an insurance policy that covers the cost of repairing or replacing damaged glass windows and windshields without requiring a deductible. This type of coverage is often included in comprehensive auto insurance policies, although it can be added as a separate rider on some policies. It's important to understand the details of your policy before you purchase coverage in order to make sure that you're getting the best protection possible.
Types of Glass Covered
Most full glass coverage policies cover the cost of replacing any glass component of a vehicle. This includes the windshield, side and rear windows, and even the sunroof. It also covers any additional glass components of the vehicle, such as mirrors and headlights. Some policies may even cover the cost of repairing or replacing the glass in convertible tops.
What is Not Covered?
Although full glass coverage does provide protection for most glass components of a vehicle, it does not cover every type of glass damage. It does not cover broken windows or windshields caused by vandalism, theft, or an act of nature. It also does not cover any damage caused by a collision or other accident. This type of coverage is only meant to cover the cost of repairing or replacing broken glass due to an unforeseen event.
What is the Cost of Full Glass Coverage?
The cost of full glass coverage will vary depending on the type of policy you purchase and the amount of coverage you need. Generally, adding this type of coverage to your existing auto insurance policy will increase your premium by a few hundred dollars a year. The exact cost will depend on the deductible, limits of liability, and other factors.
How Does Full Glass Coverage Work?
When you purchase full glass coverage, you are covered up to a certain amount of money for repairing or replacing broken glass. This amount is typically set by the policy limits. If the cost of repairs or replacements exceeds this amount, you may be responsible for the difference. Generally, you can take your vehicle to any glass repair or replacement shop. The shop will contact the insurance company to verify coverage and then begin the repair or replacement process.
When Should You Purchase Full Glass Coverage?
If you live in an area that is prone to hail storms or other natural disasters, full glass coverage can provide you with peace of mind. It can also be beneficial if you drive an older vehicle with glass that is more prone to cracking or shattering. Additionally, if you have a newer vehicle with costly glass components, full glass coverage can help protect your investment.
Benefits of Full Glass Coverage
The primary benefit of full glass coverage is that it can save you a significant amount of money if your windshield or other glass components are damaged. It can also provide you with peace of mind knowing that you will be covered in the event of an unforeseen glass repair or replacement. Additionally, this type of coverage can often be added to your existing auto insurance policy for an affordable price.
Drawbacks of Full Glass Coverage
One of the primary drawbacks of full glass coverage is that it does not cover damage caused by a collision or other accident. Additionally, this type of coverage can be expensive if you need to purchase it as a separate policy. Finally, some types of glass damage, such as vandalism or theft, are not covered by this type of coverage.
Bottom Line
Full glass coverage can be a great way to protect your vehicle from unforeseen damage. However, it's important to understand the details of your policy before you purchase coverage in order to make sure that you're getting the best protection possible. Additionally, make sure that you compare rates from different insurers in order to get the best deal on your policy.
