What Is Full Glass Coverage in Auto Insurance & How Does It Work?

Repairing or replacing car windows and windshields can be expensive, depending on the type of damage. However, having full glass coverage can help you avoid this expense. Although full glass coverage is optional, it offers many advantages.

What Is Full Glass Coverage?

Hail, rocks, animals, construction products, tree branches, and various types of storms can lead to serious damage that affects your car’s windows. If the glass breaks, having full glass coverage allows you to receive repairs and replacements without paying a deductible.

Before auto insurance companies offer you a full glass option, they’ll typically require you to purchase collision coverage or comprehensive coverage. However, this will vary, so check with your auto insurance company to ensure the coverage kicks in correctly after an accident. Auto insurance companies don’t automatically offer full glass coverage, but once added, you can remove it from your policy at any time, allowing you to assess its benefits and make a final decision.

The glass covered under this policy will vary from provider to provider. However, windshields, windows, sunroofs, and exterior mirrors are the most common glass available for auto repair or replacement under full glass auto insurance policies.

Affordability & Increased Safety

Full glass coverage guarantees fast, accurate, and safe accident repairs without extra costs. The affordability not only applies to the reduced costs associated with the repairs or replacements on your end, but it can also prevent a full one-hundred percent requirement. Without full glass coverage, you’re liable for the entire cost of any damage.

Having full glass coverage can also increase safety. For example, many individuals bypass repairing or replacing their windows to avoid financial setbacks. This puts them and other passengers at serious risk if the glass breaks even more or because of objects entering the broken window or windshield.

Factors to Consider

Full glass coverage might have some disadvantages, For example, the policy may not cover all glass damage. This will depend on various factors, such as whether the accident was intentional or caused by theft or vandalism.

Limitations are another factor to consider. This pertains to the restrictions on the number of claims you can make for glass repairs and replacements or the maximum annual payout for these incidents.

Avoid some areas, such as those with regular debris and gravel. However, if you cannot, having full glass coverage is an advantage because your windshield and windows are at higher risk for damage in these locations.

Learn More about the Policy’s Terms

Some auto insurance providers don’t provide full glass coverage. Therefore, you must verify your provider does. If it doesn’t, you should contact companies that do and learn more about their policies and conditions. For example, some providers may cover the cost associated with comprehensive coverage, while other businesses could charge an additional fee.

Your insurance provider will explain the types of glass covered under your current policy along with other full coverage options. The objective is to fully understand the policy’s terms, especially how adding full glass protection will benefit your automobile and your finances. 

Your insurance agent can provide you with additional information and help you choose the coverage options that are right for you. If you’re looking for reliable car insurance and high-quality service, call on the trustworthy agents from Altra Insurance Services. We can also provide you with motorcycle, renters, and home insurance. San Diego residents should give us a call today.