It happens when you least expect it — you’re driving along, and suddenly a piece of debris connects with your windshield. Whether it’s shipping material from a truck or a tree branch blown around by heavy winds, the fact remains that you’re the one left to deal with the damage. So what do you do? Levin Tire suggests answering a few questions first:
How did it happen?
First of all, assess the situation. If an object that fell from a truck hit your windshield, you may be eligible for compensation from the associated trucking company. If, however, it was a random rock or other debris that struck your car, it’s referred to as “foreign object damage”, and is generally only covered if you’ve enrolled in a plan with comprehensive coverage. View Indiana auto insurance laws here.
How serious is the damage?
If the damage to your windshield is larger than the size of a quarter and in your line of view, the windshield should be replaced before you drive the vehicle again. The reason is that if the damage gets worse while you’re driving, it can obscure your vision and cause a serious accident.
However, if a crack is above the rear-view mirror, it may not have to be replaced. It’s good to keep in mind, however, that insurance will be less likely to cover replacement weeks or months after the damage has occurred.
How will you pay for it?
While it might be your first reaction, driving to the nearest auto shop isn’t usually the best option if you’re looking to get the repair covered. Most major insurance carriers have relationships with certain auto repair facilities in your area, and will recommend those to you when you call.
If payment is not an option, or if your current auto insurance policy doesn't cover windshield damage, check with your dealership first. They'll be able to get the right windshield for your specific vehicle.