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Steps To Be followed While Applying For Windscreen Insurance Claim

The car windscreen is an important component of your vehicle. Being made of glass, the windshield of your car can easily get cracked because of some unpredictable scenarios like damage caused by the debris, getting hit by the branch of a tree. But driving with a cracked windscreen is very dangerous and with the constant vibration of the vehicle in motion, even the smallest damage can grow eventually and can obstruct road vision. Therefore, if your car’s windshield is damaged, you should always get it repaired as early as possible. And the good news here is that getting the windscreen repaired or windscreen replacement is just a snap.

A windscreen replacement in luxury vehicles may end up burning a big hole in your pocket if you don’t have the right insurance coverage. But not all insurance policies offer this type of coverage. Windscreen damage is a part of a comprehensive vehicle insurance claim. So, if you don’t have this coverage and have the third-party liability coverage, then you have to pay the windscreen replacement cost out of your pocket.

A vehicle insurance policy that covers windscreen damage?

The comprehensive vehicle insurance policy offers coverage for all kinds of automotive issues including windscreen damage. But what is a comprehensive car insurance policy? The comprehensive insurance policy includes optional coverage that is mainly purchased on top of collision insurance. This type of policy offers coverage for protecting the vehicles from all the damages that are not only caused by other cars but also from the “act of God”. And windshield repair or replacement is one of these services that you can avail of from comprehensive vehicle insurance.
Comprehensive auto insurance offers coverage against Windscreen damages in the cases like:

1. Falling of any heavy object like coconut, rock, etc.
2. Falling of trees or branches on the glass
3. Vandalism, accident, fire, or some other man-made calamities
4. The collision of animals or bird
5. Debris and stone hitting the windscreen when driving
6. Hails falling on your car windscreen during the storm
7. Football or baseball crashing into the windscreen
8. Natural calamities like floods, thunderstorms, hailstorms, or earthquakes.

But one thing you have to remember in this case is that this insurance policy offers wholesome coverage to the vehicles, of which the glass parts are one component. So, before you plan to get this insurance coverage, go through the policy details carefully, and don’t forget to ask the insurer about the nature of the automotive glass coverage.

Now the next question is how to apply for the windscreen insurance claim. And here comes the answer.

• Once your vehicle windscreen gets damaged, inform the insurer about the said damage and file the claim for repair or replacement of the same. Besides, you can send the hard copy or can file the claim application online.
• In case your car windscreen got damaged because of vandalism, then you have to call the police first, then file and obtain the FIR copy, and then submit that claim with the insurer to avail the windscreen insurance claim.
• If the comprehensive policy comes with a cashless clause, then you have to take the vehicle to a service center, which already has a tie-up with the insurer. This will help you to avail yourself of the cashless benefits.
• The next step is to take your vehicle to your chosen garage. The experts of the garage would check the damage and will also advise whether you need to repair or replace the windscreen. Repairing or replacing the windscreen would take 30-40 minutes. And after that, your car is immediately safe to drive. But in the case of windshield replacement, the condition often depends on factors like the materials used and the weather conditions. And here the technician would inform you about the safe time to resume driving.
• Whether you need to repair it or replace it, if the accident that resulted in the damage is covered under the comprehensive policy, then the insurer will pay for the cost.
• But if you don’t want to get the vehicle fixed by any of the tie-up garages, then you can also consider getting it done from a different service provider. Doing this will ensure that you are ready to stake a claim against the insurance policy. But here you may lose the cashless feature mentioned in the policy document. Here you have to submit the bills to the insurance provider when you want the claim for reimbursement.

Conclusion:

So, it is evident that the best way to claim windscreen insurance is through a comprehensive vehicle insurance policy. But still, you should only choose an expert for getting the service instead of choosing someone less experienced. Otherwise, you will get the insurance coverage but at the same time, you would end up getting a windscreen, installed sloppily.

Tips On When To Repair Your Windshield & When To Replace The Windscreen

The windshield is one of the vital parts of the car. And once it is cracked, it is not usable, not pretty, and can result in some precarious situations. Caused by the Earth’s fauna and different types of road debris, windshield cracks are one of the most popular maintenance issues you can have with your car. So, if your car’s windshield is cracked, repairing it is cheaper than replacing it. Repairing your windscreen will depend on the factors like location, type, thickness, and size of the fissure or blemish. But according to the experts, the windscreen can only be repaired if it is smaller and shallow than 40mm in diameter. At the most, two chips can be repaired. But it is better to replace the windscreen once you notice a crack. It is because even the minor cracks aggravate within a few days.

So, here are the tips to follow before or when you repair your windshield:

1.  Decide whether it needs immediate attention: Check where the crack is located. Is it obscuring your view or off to the side? If the crack interferes with your scope to see the road, you must deal with it immediately by taking the vehicle to the windscreen shop. But if it is not improving the ability to check the road, grab the ruler.

2.  Avoid dirt and debris: One of the biggest things to protect your car windshield from is dirt. If dirt fills the crack, it would make the repair more complicated. But it never means that you have to reach for a bucket or head for the car wash. And when water seeps into the crack, the repair process converts into a complete replacement. Use clear packing tape to keep the moisture and dirt away from the crack. And it will not obscure the view as well.

3.  Avoid temperature extremes: When your car windshield has got a crack, remember that extreme cold is not good for a cracked windscreen. So, refrain from putting the defroster or air conditioner on high. Rather, moderately use the heater to defrost the windows gradually.

4.  Park your vehicle indoors to avoid the sun: If your vehicle has got a crack, and you want to repair it instead of replacing it to save windscreen price, then protect the vehicle against sun and rain. Otherwise, the windscreen would heat up and allow the crack to expand.

5.  Drive your vehicle carefully: Another effective way to ensure that the crack doesn’t get bigger before windscreen repair; you have to drive with full caution. This includes avoiding rough roads and steering clear of potholes. Besides, be careful when getting in or out of your car. Don’t slam the door or the trunk.

When to replace the windshield?

There are some instances when it becomes very important to replace your windscreen. One of the instances is that if there is a hole through the windshield, then you have to repair it ASAP. But in some cases, chips or smaller cracks can also lead to replacing your existing windshield. As per the rule of thumb, if you have 3 or more cracks in the windshield, then you have to replace it. Otherwise, the impacted windscreen would start losing the ability to withstand more impacts. Replacing the shield is also important if the crack in it is 14 inches or more than that.

Now let’s have a look at the tips for replacing your windshield effectively. You can either visit a windscreen specialist or can do the job on your own.

• Remove the trim: This is the first step to follow. Use a razor to remove it effectively while loosening the windshield.

• Remove the windshield: Once you remove the trim, the next step is to remove the AIG windscreen panel and lift it away from the vehicle. Do it carefully so that it doesn’t break.

• Clean out and make the Pinch Weld ready: After removing the windshield, the next step is to clean and prepare the pinch weld. Dust, dirt, and old urethane can build up to this place over time. Cleaning it out before installing the new windscreen is important to ensure that the new shield perfectly fits into the place.

• Apply urethane: After cleaning the pinch weld, apply urethane to the edges of the pinch weld. The urethane works as the adhesive or glue that holds the windscreen perfectly in place. So, apply it evenly while ensuring it doesn’t dry or set before the new windshield is put into the place.

• Install the new windshield: This is the last step of the windscreen replacement process. Place the new windshield carefully fitting over the hole on the car. Fit it properly within the pinch weld. Once you position it properly, push it into the place with suction bars and cups and held it there for several minutes. Remove the suction cups and bars when the urethane starts to set.

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