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The Insurance Claims Process For Automotive Glass
Savannah Wilson
Comprehensive physical damage coverage may pay for costs incurred during a windshield replacement or repair process. Some policy providers allow claims to be filed online. In addition, there may be some repair processes that will omit the need to pay a deductible.
A Streamlined Process
Many automotive insurance providers offer an online insurance claims service. This reduces the need to speak directly to a representative of an insurance company. When damage to a windshield or another section of automotive glass is incurred, it is typically a result of either a natural disaster or a vehicular accident. Knowing how to handle this type of mishap will prevent a vehicle owner from paying unnecessary out-of-pocket costs.
The type of damage will need to be reported. This can be conducted via an online portal. A policyholder who isn't sure about their comprehensive coverage can view their policy online. This will outline what type of deductible an insurance company will require and whether or not a repair will be covered.
The Repair
There are many automotive shops that handle glass replacements and repairs. A shop mechanic will assess the damage first. Some insurance companies will require proof of the damage. This proof can be in the form of a photograph that is submitted by an auto mechanic. Sometimes, it isn't necessary to have a whole sheet of glass replaced. A minor repair will be one that consists of patching glass that is not within the line of vision of a driver.
A technician will use a patching product to fill the damage. Small damage to glass may not constitute that a vehicle owner meets a deductible. A motorist will need to check with their insurance carrier, to determine if they can have the deductible requirement waived. One reason, besides saving money, that a motorist may choose to have glass patched is to retain the factory seal that is on the original pane of glass that is installed on their vehicle.
If a vehicle owner would like their vehicle to retain factory materials that were used during the manufacturing process, patching the windshield will allow them to do so. A mechanic who performs a job will furnish a receipt that covers the repair work that was performed. If a client has to pay a bill in advance, they can turn the receipt into their insurance company afterward. Once the insurance claim has been processed, the client will receive a refund for the amount that they paid a mechanic.
For more information about car glass insurance claims, contact a local company.
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