Often ignored, but a windshield is one of the most important parts of a vehicle. After all, it serves as the large part of your vehicle’s overall body. It keeps the passengers and the driver in the car safe, and it also successfully keeps the harmful elements out of the car. Have you ever experienced a scenario when a large stone or boulder hit your vehicle and the windshield stopped it? If yes, then you would already understand the importance of a windshield.
Many times, the car owners want to know if they can get a damaged auto glass Tulsa replaced. The comprehensive coverage on the auto insurance policy is likely to cover the windshield’s replacement or repair. However, there are certain ways to get the insurance deductible waived off for replacing the windshield. If you want to know about them, then you are in the right place. In this write-up, you will learn about deductible and ways of getting insurance deductible waived off when it comes to windshield replacement Tulsa.
What Is Deductible?
Every car insurance cost includes deductibles. For example, if a person gets involved in a car accident, car insurance generally covers most of the expenses to rectify the damage. The amount that car owners pay out of their pockets for Auto glass Tulsa repair is known as the deductible. Generally, the car deductible charge is high. As a result, an offer to waive off the deductible amount seems alluring. A few states do not allow the insured to levy a deductible on comprehensive claims of damage to the windshield.
Generally, replacing a windshield doesn’t affect the premium. Moreover, a free windshield replacement Tulsa policy is ensured by the state car insurance laws of certain countries.
Misconceptions Surrounding The Waiver Of Insurance Deductible-
Millions of people consider the waiver of insurance deductible to be unethical or illegal. The reason is that the waiver needs to dig into the earnings of an insurance company. A few customers think that an offer to waive off a deductible signifies that the car glass service provider is engaged in some shady deal. Others think that an organization that waives off the deductible amount does not have certified technicians to do the job and that the service of these companies is not reliable. Another common misconception is that such companies may also overcharge the customers for replacing the windshields.
The car dealerships gladly waive off the charges for windshield replacement Tulsa for the following scenarios-
● If the customer lives in a zero deductible state
● If the customer has car collision insurance
● If the customer has comprehensive car insurance
Let us understand each of the scenarios in detail.
Zero Deductible State- A few states in the USA (including Massachusetts, Florida, and South Carolina) are known as zero deductible states. If a customer stays in any of these states and has an understandable car insurance policy, the deductibles for replacing the windshields will be waived off. All kinds of deductibles are waived off in these states.
This law promoting zero deductible states was implemented to promote vehicle safety. In these states, it is considered legal to waive off the deductible of the windshield replacement.
Car Collision Insurance- Often, people who reside in a no-fault state are involved in a collision accident. Then, regardless of who is at fault, the drivers are expected to pay for their respective damages. In such a case, the deductible is paid by the insurance company.
On the other hand, a person who lives in a “choice” no-fault state may decide to opt-out of the traditional no-fault car insurance. Then, they basically receive tort-based coverage. In this situation, the deductible and all the other compensations for damages are paid by the driver, who is at fault.
Comprehensive Car Insurance- Drivers with comprehensive car insurance enjoy full coverage for windshield damage. Their insurance charges are waived off in case the windshield is replaced for any one of the following reasons-
● Natural Disasters
● Fallen objects
● Hail storms
● Road debris caused damage
The rules may vary according to the providers and state. As long as the windshield is not damaged due to some collision or some other accident, the insurance company will waive off the replacement cost.
Remember that certain insurance companies have deductibles, while others don’t. A few insurance companies may have a long list of rules, while others may have a lesser list. The customers need to check with their policy and have a word with their service provider to find further information.
However, if people do not have comprehensive car insurance coverage, and you are the one at fault, they will have to pay for the auto glass repair Tulsa.
Thousands of drivers put off replacing a windshield because of increasing costs. However, it puts their lives at stake. Several cities allow car owners to upgrade their existing car insurance policies to zero deductible policies. As a result, the owners do not have to pay a deductible amount for replacing their windshields. These policies to wave off the deductible are introduced to encourage the drivers to replace the windshield on time. Otherwise, a damaged windshield may result in death. Many windshield replacement OK companies in states with zero deductible laws offer free windshield replacement Tulsa with cashback. A few of these companies also offer gift cards instead of cash. If you want to avail these benefits, you can approach a windshield repair Tulsa shop in Tulsa, Ok (Oklahoma) or surrounding suburbs Broken Arrow, Owasso, Jenks, Bixby, Sand Springs, Sapulpa, Glenpool, and Coweta.