Anytime you drive your car, you are taking risks. Another vehicle could run into your car, or you could lose control of it and land in a ditch. You could also experience a piece of debris hitting your windshield, causing it to crack, chip, or shatter. When this happens, you have several ways to handle the costs of the repairs, and here are three ideas.
Turn in the Claim to Your Insurance
If you have comprehensive insurance coverage, you can make a claim for the damage to your window with your insurance company. Comprehensive insurance is designed to cover perils of this kind, but you should realize that this generally doesn't cover the entire cost of the work needed.
Your insurance plan will have a deductible, which may be between $100 to $300. Cars Direct reports that the costs of windshield repair is usually between $20 to $325. While reporting it to your insurance might help a little, you will still be required to pay the deductible before the insurance company pays the rest of the bill.
Sue the Other Party
Another option you have is to sue the person that is responsible for the damage to your windshield, but this method is not always the best option. This option presents several problems, including:
- If the damage occurred while you were driving, it may be hard to know who is really at fault for the damage.
- Even if you believe you know who caused the damage, it can be hard to prove.
- It often doesn't make sense to sue someone for damage that is only around $300.
If you do decide to sue for this, you will need to file the case in small claims court, and you will have to pay filing fees to do this.
Pay the Bill Yourself
The final option is just to pay the bill yourself. With this option, you will be able to get the work done right away, and you will not have to worry about going to court. This option is also better simply because you will not have to worry about your insurance company raising your rates because you filed a claim.
If you have a damaged windshield, you should get it fixed as soon as possible at a place like Mr Go-Glass. Windshield cracks and chips can spread if you do not get the repairs completed soon, and you can schedule an appointment for this with a company that offers windshield repairs and replacement.