When you get a flat tire, you know to go to a nearby gas station and buy a new one. When your car window gets smashed, do you know what to do? If you’ve never had your car windows smashed before, the answer is probably no. And even if you have, chances are the insurance company won’t cover the costs—at least not right away. The good news is that there are steps you can take to make sure your window is covered should it get broken. In this blog post, we’ll outline some of the basics of car window insurance and how to ensure that your policy covers any damage done by vandals or thieves.
What is broken window insurance?
Broken window insurance is a type of insurance that covers damage to a car caused by someone breaking a window. This type of insurance is typically used when the car is stolen and the thief breaks the window to get inside.
Types of policies
Insurance policies typically have different types of coverage, including property damage, medical payments, and accidents.
Property damage coverage: This type of policy covers the cost of repairing or replacing items that are damaged as a result of an accident.
Medical payments coverage: This type of policy pays for your medical expenses if you are involved in an accident.
Accidents: This type of policy covers damages that occur as a result of an accident.
Who pays for the repair?
Most homeowners’ insurance policies will not cover the cost of a broken car window, though some may reimburse you for the cost of a new window. In most cases, if your car is stolen while your window is broken, the insurance company may provide coverage for the replacement cost of your car and any damage done to it as a result of the theft.
Broken car windows can be a huge inconvenience, and while they’re usually easy to fix, your insurance may not cover the cost. If you’re unsure whether your insurance covers broken car windows, talk to them about it — they should be able to help you out!