Does Insurance Cover Damages From A Rock That Hit The Windshield?

Are you wondering if your auto insurance will cover damages when a rock hit your windshield? We’ve all experienced the nerve-wracking moment when a rock hit our windshield while driving. Whether it’s a tiny chip or a major crack, the damage can be frustrating and potentially dangerous.

In this blog post, we’ll explore the question of whether insurance policies typically cover rock hits on windshields. Additionally, we’ll discuss the importance of timely truck windscreen replacement or repair services, the benefits of addressing rock chips promptly, and the available options for glass repair and windshield replacement. Stay tuned to learn more about how to navigate this common automotive issue and ensure you’re well-informed about your insurance coverage when it comes to rock hits on your windshield.

What is truck insurance?

Truck insurance is a type of insurance that is designed to cover trucks, commercial vehicles, and their drivers. It typically includes liability coverage for bodily injury and property damage that may occur as a result of an accident involving the insured truck. It may also include coverage for damage to the truck itself, as well as cargo that is being transported. Truck insurance is generally required by law for commercial trucks and can be tailored to specific needs and risks, such as long-haul trucking or local delivery.

What are the coverage options for truck insurance?

Truck insurance policies can vary widely from provider to provider. Generally, coverage options are broken down into two categories: liability and collision. 

• Liability coverage protects you against the costs associated with bodily injury and property damage caused by the vehicle in an accident. 
• Collision coverage, on the other hand, is designed to cover any damage incurred by the truck itself – including a rock hitting your windshield.

If your truck is equipped with comprehensive insurance, you may be able to file a claim for damages caused by rocks hitting your windshield. Comprehensive coverage is designed to protect vehicles from physical losses beyond collisions, such as theft or vandalism – as well as damage from natural disasters like hail or flooding. Depending on your policy and deductible, this type of coverage may be able to cover the cost of repairs or replacement.

How should one respond if a rock hits their windshield?

If a rock hit your windshield, the first step is to assess the damage and determine if it can be repaired or needs to be replaced. Depending on the size and severity of the chip or crack, repairing it may be an option. Small chips and cracks can usually be fixed without having to replace the entire windshield. However, larger cracks and chips that are not repairable may require a complete replacement.

If you decide that you need to have your windscreen repaired or replaced, there are a few options available. Depending on where you live, you may be able to find a local auto glass shop that can repair or replace your windshield. Many of these shops offer mobile services, which means they can come to you and repair or replace the windscreen quickly and conveniently. Additionally, some companies offer repair or replacement services for free or at discounted rates if you have comprehensive insurance coverage.

Finally, if you decide to file a claim for windshield damage on your truck’s insurance policy, be sure to check with your provider first to see what kind of coverage is available and how much you will need to pay a deductible. Most comprehensive insurance policies will cover the cost of repairing or replacing a damaged windshield – however, each policy is different and it pays to check with your provider first before filing a claim.

Conclusion

To sum up, a rock hitting your windshield can be covered by comprehensive insurance, and it is important to assess the damage and determine if it can be repaired or needs to be replaced. Mobile services can provide convenience and cost savings. However, before filing a glass claim, it’s essential to check with your insurance provider to confirm whether insurance will cover a cracked windscreen.

Don’t let a rock hitting your windshield ruin your day! If you need a windscreen replacement, our team is here to help. We offer affordable windscreen replacement services that meet Australian industry standards, efficiently, ensuring you can safely get back on the road. Contact us today to schedule an appointment and avoid any further damage to your vehicle.