Free Windshields?

I think it only fitting to discuss windshield chips and cracks in my first article after the first snow. Every one of us has had one at some point and generally they don’t seem like a big deal. However, they can be costly and troublesome.

It seems that all winter we are constantly reminded that our windshields can be chipped every time we hear that loud crack sound a piece of rock salt makes hitting our windshield. We immediately fear that there could be a nick or a chip. We scan the glass in front of us looking for the nick that has to be there. After all, that crack sound was too loud not to leave a sign. Sometimes we even use our wipers to clear off the glass so we can be certain there is no damage. 

Luckily we see nothing. The last thing we want to spend money on is a new windshield. We just had to get new tires to deal with the snow. After all, that chip will turn into a crack if it is not repaired then we will have to replace the whole windshield, and that can get expensive. A cracked windshield can be very dangerous to drive with as well as quite an eyesore.

As I said in my first article, I want to help. No, I will not replace your windshield for you, but your auto insurance policy may. There are many accessory benefits and coverages that are included in our auto insurance policies. A lot of insurance carriers include coverage to have minor windshield chips and damage replaced at no or very little charge to us. In fact, some of the services that may be included in this are mobile. A technician will come to our homes or places of work and repair the crack without us having to spend our time or money to get it fixed.

Here are a few things to consider when windshield chips and cracks happen. According to a widely-known auto glass company’s website, most cracks can be repaired if they are less than 6 inches long. A good rule of thumb here is, if you can cover the crack with a dollar bill it can most likely be repaired. When it comes to the fit, function, and integrity of your windshield, keeping the original manufacturer’s seal intact is considered the best option when possible. However, if your windshield can be repaired make sure to keep the area clean. It is recommended to cover the crack or chip with a piece of clear tape to keep dirt and debris away until it can be repaired.

As I have said before, and will continually say, when you get mail from your insurance carrier, open it and look through it. There are often money-saving programs that are included in the bills and renewal notices that we are sent at least once a year. Thanks for reading, and please have a safe and happy 2012.

Mark Hofelich is a local Nationwide Insurance Agent with an office located at the west end of Lakewood.