Who Pays When A Rock Hits Your Windshield?
If a rock hits your windshield, you might assume that the other driver is liable for repairing the damage. However, some consumers face a rude awakening when they learn that these costs are likely to fall on them and their insurer.
Many windshields are damage by rocks or debris that are kicked up by a truck or passing motorist. When damage occurs under these circumstances, liability for the repair often falls on, you, the consumer. The other driver is usually not considered to be liable because it involves a situation that is unpredictable and unavoidable.
If your windshield is damaged by a rock or object that falls from a truck or vehicle, you may be able to recoup the cost to repair if you can prove that the other driver was negligent in not taking reasonable measures to secure a load or other objects that could fall from the vehicle.
To protect yourself against the financial burden of replacing or repairing a windshield, consider adding comprehensive coverage to your auto insurance policy.
Sometimes the damage may only involved a minor crack or small chip out the glass, and this may cause consumers to be reluctant to have the windshield replaced or repaired. Anytime you sustain damage to a windshield, you should always have it checked out by a qualified glass specialist. Quite often, they can do a low cost repair, without having to replace the windshield.
If the glass specialist is able to perform a repair, you may be surprised to learn that most insurance companies will cover the cost in full, without you having to pay a deductible.
When considering who to call for repairing the damage, you might want to
• Ask for a referral from someone who has had experience with windshield repair, such as your insurance company. However, make sure to also check the reputation of this referral with consumer agencies.
• Ask how long the company has been in business, whether of not they hold any certifications or are members of a professional glass or automobile organization, and what type of warranty they provide for their work.
• In addition to inquiring about costs, be sure to ask about what options are available, how and where the repair or replacement will be performed. This can have a significant effect on the cost and quality of the work.
Regardless, of who you chose to repair the damage, the cost, or the method used, keep in mind, your windshield is one of the most important safety features on your car. Make sure the job is done right by a qualified professional.