If you are buying personal or business auto insurance in San Diego, it is important to consider all of your options as you compare pricing and agencies. Many people have heard of full physical damage coverage, but some are not familiar with an additional form of physical damage coverage referred to as full glass cover. If you live in an area where you are prone to falling victim to windshield cracks and damage, it is in your best interest to consider a coverage that will ultimately save you money.
Full Glass Coverage is a Special Endorsement
Typically, personal and commercial insurance policies in San Diego will subtract your comprehensive deductible from a glass claim payout. This is because comprehensive coverage pays for glass damage and your deductible is the amount of money that you have agreed to pay before the agency is obligated to pay. When a full glass endorsement is added to your policy that contains glass coverage, you will not have to pay out of pocket when you have a covered glass claim. For instance, if a rock chips your windshield or a falling tree leads to a crack, you do not have to worry about spending $100, $250 or even $500 on auto glass.
How to File a Claim
The process of filing a glass claim can vary from agency to agency. Some agencies will let you go to any glass repair agency and others require you to visit only affiliated shops. When you get to the shop, provide them with your San Diego insurance information so that they can submit the invoice to the insurer. If you pay out of pocket, submit the invoice to your insurer for payment and you will receive a check in the mail.
Adding full glass coverage to your auto policy may cost you additional money. Be sure to review the cost of this endorsement, weigh the pros and the cons, and then determine if having this additional cover will pay off in the long run.
For more information about full glass coverage or any other insurance concern, don’t hesitate to reach out to American Tri-Star today. Our agents are on-call to answer your questions and can help you determine your options for affordable insurance and which add-ons would benefit you the most. Call 619-272-2100 and speak with a reliable insurance expert for a free, instant quote.