Car Insurance Decisions

Car Insurance Decisions

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One will not only be able to save money by fixing a chipped windshield but it could save one's life. It could be a piece of gravel thrown up high by the vehicle ahead or an act of mischief by an unseen vandal. Either way, debris hitting your windshield will surely to leave a mark. A windshield chip can spread like a web causing a complete barrier of your view through the glass without any warning. Obviously, no one wants this to happen while on the road. In most cases, it is not legal to drive a vehicle if the driver's view is hindered because of chipped windshield.

Any of these stone chips can be repaired. Beyond looking for these types of common chips, it is important to take into consideration the size of the damage. If the damage cannot be covered by a half dollar, the chip is too large to be repaired. Another important piece of information to consider is the acute area. The acute area is the area of the automobile windshield chip repair directly in the drivers line of vision. It is the same size as a piece of paper being held horizontally in front of the driver. In this area, the National Glass Association does not recommend a repair being done unless it is no greater than .95 of an inch. An easier way to imagine this is that a quarter should be able to cover the entire area of damage in the acute area.

Insurance companies are more susceptible to cover the windshield if it is on the driver's side or if it is a more intense crack because it is more important to get it done in that case. They do not want any obstructions of view in the line of vision for the driver.

If you do decide that windshield repair is your best bet, you have a few choices. First of all, make sure you check to see if your insurance covers it. In a lot of instances it does. The problem is that many policies have a deductible that is higher than the cost of the replacement or repair job. If that is the case, you will have to pay for it yourself.

Now you have 3 options. You can pay out of pocket, you can have your insurance company cover the cost, or you can do the repair yourself. The cost out of pocket will vary from $30-$60, depending on the company you chose. Filing with insurance is easy because it is no cost to you, and the auto glass repair company deals with the paperwork. You can also attempt the repair yourself, but if you do not feel comfortable, i would suggest calling a professional. There is a good step by step windshield repair Instructable available, as well as other information online.

The windshield is also called a windscreen. Your car's glass is very similar to that of an aircraft, or a motorcycle's wind screen. Most cars made in modern times are usually fitted with a laminated kind of glass that is very secure and safe because it doesn't shatter into sharp shards unlike ordinary glass from mirrors and bottles. These laminated glass is a kind of treated glass. It is usually made up of a dual curved sheets of glass and a layer made of plastic sandwiched in between so that it will be safer. These are glued into the car's window frame.

Remember to make routine window glass inspections part of your total car maintenance plan. Following these simple tips will help your windshield stay strong and prevent the need for glass replacement in the future.

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