Windshield Replacement Insurance Enhances Safe Driving

Windshield replacement or repair is critical because windshields facilitate safe driving, and they are the top restraint system in any automobile. People tend to take that function for granted, but windshields protect against wind and debris while traveling. Modern airbags utilize windshields as support for their cushioning effect in car crashes. If windshields pop out in an accident, passengers or drivers could be ejected or crushed, so consumers should choose care in selecting an auto glass company.

The term OEM is an acronym for Original Equipment Manufacturer. OEM auto glass meets manufacturers specifications and tolerances for quality and safety. When the glass company installs OEM auto glass correctly, the result is a seamless fit that minimizes air and water leaks. Proper windshield replacement causes auto interiors to resist window fogging, interior ice, and loss of heat or cool air. Most people have suffered the annoying effects of windshields that have leaks, without realizing the ultimate cause. Repair of small cracks can extend the life of a windshield, and auto glass companies cheerfully supply price quotes for repairs.

Windshield replacement or repair insurance is a good idea, because windshields provide essential protection and comfort for routine driving. Most insurance companies offer auto glass insurance as an option, with varying deductibles. Consumers can ask for price quotes for this protection. Prices of windshield replacement or repair range from $20-$350 from most auto glass companies. Small chips and cracks the size of a silver dollar or smaller can be repaired if they are not in the driver’s line of sight, and price quotes peg the cost of most repairs at $20-$65. Insurance companies recommend windshield replacement for cracks that impede driver vision.

The real question is whether to make a claim on an inexpensive repair, because many drivers fear these claims will increase their monthly premiums. Windshield replacement by a qualified glass company is a win-win for consumers, however. By law, insurance rates are part of comprehensive insurance claims that assign no fault, and repairing or replacing damaged windshields cannot be cited for premium increases. No matter how many windshield replacement claims are made, insurance rates will not rise. Policy holders can breathe a sigh of relief and arrange auto glass repair for any nicks or scratches. If only insurance companies provided paperwork insurance, then the claims process would be even simpler.

Here is another benefit many consumers did not expect-a professional glass company often helps consumers file their insurance claims. Some auto glass companies offer to pay the deductible, take the customer to dinner, and baby sit the kids. Beware of a glass company offer that sounds too good to be true. These kinds of offers almost always indicate that sleazy practices or shoddy workmanship are employed. The insurance industry carefully monitors the cost auto glass companies charge for windshield replacement.

Deductibles are the only potential downside for repairing auto glass. Drivers living in Florida, Massachusetts, Kentucky or South Carolina are free of this concern. Those states have laws that require insurance companies to pay the full cost of windshield replacement without deductibles. Florida and Massachusetts limit the regulation to windshields only. Kentucky and South Carolina require full restitution for any auto glass claim.

Auto glass insurance is an amazing benefit, and many drivers fail to appreciate how easy repairing their glass can be. A glass company that provides insurance claims assistance will take the insurance information. They may or may not require drivers to confirm the arrangement by phone. The windshield replacement company takes care of all the details such as billing and paperwork. Drivers can then focus on finding their own baby sitters and making dinner arrangements.

Windshield Replacement – The Facts About Auto Glass and Insurance

A chipped windshield is inevitable no matter what or where your drive, making windshield replacement something that nearly everyone will have to be deal with sooner or later. While filing an insurance claim immediately comes to mind, the fear of higher premiums often deters drivers from making calling their insurance company. However, windshields may be considered a no-fault claim, which can mean coverage without the raise in rates. Residents in the four Zero-Deductible states also enjoy the waiving of their deductibles when windshield replacement is necessary. The one point to note is that comprehensive coverage is required for either of these benefits, as coverage limited to only liability does not cover glass replacement.

Does Insurance Cover Windshield Replacement?
If the auto insurance plan is limited to only liability coverage, then the answer to this question is no. Liability coverage rarely, if ever, covers glass replacement, meaning that the driver will have to foot the entire bill. However, if the current insurance policy includes comprehensive coverage, then the answer is yes, as long as the cost is below the cost of the deductible. While high deductibles will lower monthly premiums, they can also mean that low-cost repairs will still have to be paid in full by the driver. However, if the cost of the replacement is more than the deductible, filing a claim can save a few dollars on the repair.

Will A Claim for Windshield Replacement Raise My Rates?
Believe it or not, most of the time the answer to this is no. This is because chipped windshields are generally considered a no-fault claim, as it is rarely the fault of the driver that the chip occurred in the first place. Keep in mind that there are exceptions, however, including chips obtained while deliberately driving off-road. How the chip occurred, the selected policy, and even the insurance company itself can make a difference in whether windshields replacement is a covered item.

What About The Zero-Deductible States?
There are only four Zero-Deductible states in the US, and these are Florida, Kentucky, Massachusetts, and South Carolina. For residents in these states, the Zero-Deductible law means is that the insurance deductible is waived for any auto windshield replacement. Florida and Massachusetts even go a step farther and cover all glass replacement under the Zero-Deductible law, rather than limiting the coverage to windshields only. Comprehensive coverage is still necessary, however, although like other states, premiums are usually not affected.

So How Do You File A Claim For Windshield Replacement?
Most glass replacement companies are familiar with working with insurance companies when it comes to windshield replacements. In fact, most of them will call your insurance company for you once their repair service is requested. Your insurance carrier and policy number are often all the repair service will need from you, and they handle the rest. This generally makes filing an insurance claim as easy as contacting a reputable glass company. However, if cost is an issue, either through deductibles or because it will be paid entirely out-of-pocket, obtaining price quotes from several glass companies can help determine who will provide the best service at the lowest cost.

Auto windshield replacement is an inevitable cost of car ownership, although insurance coverage for this is applicable only if a comprehensive plan is selected. The deductible may make an insurance claim irrelevant, however, as a high deductible can mean that the cost of replacement is less than the initial amount that drivers are required to pay. On the plus side, insurance rates rarely go up with a windshield replacement claim, as most insurance companies consider these no-fault claims. The four Zero-Deductible states even eliminate the need to pay the deductible for the repair. The best part is that filing a claim is often as easy as contacting a reputable glass company, as most of these companies are familiar with working with most insurance companies. A cracked windshield can happen to anyone, and understanding how insurance applies to these instances can make it a less stressful event, and lead to a smoother repair process.

Child Support Enforcement and Federal Criminal Law

Divorce causes major issues with health insurance benefits. Many families have employer provided and/or paid for health insurance benefits that cover the entire family. It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost. After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent. They are no longer “family” members who can take advantage of one health insurance policy. How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.

If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional cost. That way is to enter into a separation agreement, but delay the divorce. That way, the parties actually do remain married and they can stay on the same health insurance plan even thought they are separed. The parties can consent to waiting for one, two or more years before either one files for a divorce. While the parties will remain married, their property, custody, and support issues will be addressed in their separation agreement. Under some circumstances, this is an optimal resolution. For example, what if both parties want one spouse to remain at home for several more years with young children, but they do still want to separate and divorce? This option works for them. They can separate, agree upon getting a divorce and all of the terms that they have to agree upon, but delay the final divorce so that they can keep cost effective health insurance benefits in place.

The above example can provide some difficulties that must be discusse in detail with your divorce attorney. For example, if you separate but do not divorce, your federal tax filing status may be affected. Also, in some states, it is not as easy as in other states to enforce a separation agreement. Or, in yet other states, it is possible for one spouse to take the advantages provided by the agreement for a year or two and then go to court and seek entirley different forms of financial relief in a divorce action. Only a divorce attorney licensed to practice in your state can advise you on these issues.

Another option for couples divorce is COBRA coverage. COBRA is a federal law which mandates that a person covered under a health insurance policy be given the right to continue that coverage, at their own cost, for a set time period if certain requirements exist. For example, if you obtain a divorce and your spouse had family health insurance coverage through his employer, the employer would have to provide COBRA coverage for you after the divorce. That COBRA coverage would require that you have the same health insurance policy, although your coverage would now be individual and not family. You would have to pay the employer’s cost for that individual policy.

It is not uncommon for a stay at home spouse or a spouse who has less income or employment options to obtain COBRA coverage and to negotiate that their spouse pay for that coverage for a specified time period after the divorce. In doing so, this gives the spouse who did not have coverage available some time to either obtain employment with coverage or become financially settled and able to afford their own coverage.

Divorce Attorney Jean Mahserjian makes it easier to make it through your divorce by providing you with the essential information you need to understand the divorce process. To
download free excerpts from her books, visit: Divorce Help