Understanding Auto Insurance Coverage for Windscreen Replacements

D & C Auto Glass knows that when it comes to car insurance, understanding what is covered and what is not can be a daunting task. One area that often raises questions is windscreen replacements. What happens if your windscreen gets damaged? Will your insurance cover the cost of replacement? In this blog post, we will explore the auto insurance coverage for windscreen replacements in Western Australia and provide you with the information you need to navigate the claims process.

Types of Insurance Coverage for Windscreen Replacement

In Western Australia, there are two types of auto insurance coverage that may include windscreen replacement.

Comprehensive Coverage

This type of insurance provides the most extensive coverage and typically includes windscreen replacement as part of the policy. With comprehensive coverage, your insurer will cover the cost of repairing or replacing your windscreen, subject to the terms and conditions of your policy.

Third-Party Fire and Theft Coverage

This type of insurance provides coverage for damage caused by theft, fire, or an accident involving another vehicle. However, windscreen replacement may not always be included in this type of coverage. It’s important to review your policy documents or contact your insurance provider to confirm if windscreen replacement is covered.

Claiming for Windscreen Replacement

If your auto insurance policy covers windscreen replacement, here are the steps you should follow when making a claim in Western Australia:

Contact Your Car Insurer

Notify your insurance provider such as RAC, SGIO and Allianz about the damage to your windscreen as soon as possible. They will guide you through the claims process and provide you with the necessary information and forms.

Provide Documentation

To support your claim, you may need to provide certain documents, such as your policy number, vehicle registration details, date and location of the incident, and any relevant photos or videos of the damaged windscreen.

Choose an Approved Windscreen Repairer

Your insurer may have a network of approved windscreen repairers. Choose one of these repairers to carry out the replacement. They will work directly with your insurer, making the process smoother and more efficient.

Paying the Excess

Depending on your policy, you may need to pay an excess fee when making a claim for windscreen replacement. This fee is typically a predetermined amount specified in your policy.

Follow the Winscreen Repair Process

Once your claim is approved, the repairer will schedule a suitable time for the replacement. They will use high-quality glass and follow industry standards to ensure a safe and proper installation.

Enjoy Peace of Mind

With your windscreen replaced, you can now drive with confidence, knowing that your insurance coverage has helped cover the cost of the replacement.

What else you should consider about your car insurance and windscreen replacements

While windscreen replacement coverage is available under comprehensive insurance policies, it’s important to be aware of any potential limitations or exclusions. Some policies may have specific requirements or restrictions, such as only covering one windscreen replacement per year or excluding damage caused by certain events.

Before choosing an insurance policy, carefully review the terms and conditions, including the specifics related to windscreen replacement coverage. If you have any questions or concerns, don’t hesitate to reach out to your insurance provider for clarification.

Understanding your auto insurance coverage for windscreen replacements is essential for every driver in Western Australia. By knowing what is covered and how the claims process works, you can ensure a smooth and hassle-free experience when dealing with windscreen damage.

Remember to review your policy documents, contact your insurance provider for details, and follow the necessary steps when making a claim. With the right insurance coverage, you can have peace of mind knowing that your windscreen replacement costs are taken care of.

Do you have any questions about auto screens and auto screen repairs for your car?

Contact us today.