What Does $500 Deductible With Full Glass Mean
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What Does $500 Deductible With Full Glass Mean?
When it comes to auto insurance policies, you may come across the term “deductible” quite often. A deductible is the amount of money you are responsible for paying out of pocket before your insurance coverage kicks in. One common type of deductible is the $500 deductible with full glass coverage. In this article, we will explore what this means and answer some frequently asked questions about this type of insurance coverage.
What is a $500 deductible with full glass coverage?
A $500 deductible with full glass coverage means that if you have a comprehensive auto insurance policy and your vehicle’s glass, such as the windshield or windows, gets damaged, you will only be responsible for paying a $500 deductible before your insurance covers the remaining cost of repair or replacement.
FAQs:
1. Is full glass coverage included in all comprehensive insurance policies?
No, full glass coverage is not automatically included in all comprehensive insurance policies. It is an additional coverage that you can choose to add to your policy.
2. How does full glass coverage differ from regular comprehensive coverage?
Full glass coverage specifically covers damage to your vehicle’s glass components, such as the windshield, windows, or sunroof. Regular comprehensive coverage, on the other hand, covers damage caused by events like theft, vandalism, or natural disasters.
3. Can I choose a different deductible amount for full glass coverage?
Yes, you can often choose a different deductible amount for full glass coverage. However, a $500 deductible is a common and popular choice.
4. Are there any restrictions on the type of glass covered under this policy?
Policies may vary, but typically, the coverage includes all glass parts of your vehicle.
5. Does full glass coverage cover cosmetic damage to the glass?
No, full glass coverage typically only covers damage that impairs the functionality of the glass, such as cracks or chips.
6. Does full glass coverage affect my premium?
Adding full glass coverage to your policy may increase your premium slightly. However, the increase is usually minimal compared to the benefit of having this coverage.
7. Can I only use specific repair shops for glass damage?
Some insurance companies may have a preferred list of repair shops for glass damage, but in general, you have the flexibility to choose the repair shop you prefer.
8. How often can I make a claim for glass damage?
There is usually no limit on the number of claims you can make for glass damage. However, frequent claims may impact your insurance rates.
9. Can I get full glass coverage without comprehensive insurance?
No, full glass coverage is typically an add-on option to a comprehensive insurance policy.
10. Will my insurance rates go up if I make a glass damage claim?
Since glass damage claims are usually considered comprehensive claims, they generally do not impact your insurance rates.
11. Is full glass coverage worth it?
If you frequently drive in areas where glass damage is common, such as construction zones or high-traffic areas, full glass coverage can be beneficial. It provides peace of mind and helps protect your wallet from unexpected expenses.
In conclusion, a $500 deductible with full glass coverage is an option you can add to your comprehensive auto insurance policy. It covers the cost of repairing or replacing your vehicle’s glass components, and you are responsible for paying a $500 deductible before your insurance coverage takes effect. Considering your driving habits and the likelihood of glass damage can help determine whether full glass coverage is a worthwhile investment for you.
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