You’re cruising down the highway, enjoying the open road, when suddenly a rock flies up from the vehicle ahead and smacks into your windshield. You hear the dreaded “crack!” and watch in horror as a spiderweb of cracks spreads across the glass. Now what?

Dealing with a damaged windshield can be a stressful experience, but knowing what to do next can save you time, money, and frustration. Here’s a guide to help you navigate this common but annoying problem.

Who Pays for the Windshield: You or the Vehicle Ahead?

When a rock from the vehicle in front of you hits your windshield, the first question on your mind might be, “Who’s responsible for this?” Unfortunately, in most cases, the answer is you.

Unless you can prove that the rock came from a secured load that was improperly fastened on the vehicle ahead, the responsibility falls on your shoulders. It’s tough to hold the other driver accountable for a random rock on the road. For example, if a gravel truck is spilling rocks because it’s overloaded or improperly covered, you might have a case. However, if the rock was simply kicked up from the road surface, the blame (and the cost) is usually yours to bear.

Is My Windshield Covered by My Insurance?

The next question is whether your insurance policy covers windshield damage. This largely depends on the type of coverage you have. Here are some common scenarios:

1. Comprehensive Coverage: If you have comprehensive auto insurance, you’re in luck. This type of coverage typically includes glass damage, meaning your insurer will cover the cost of repairing or replacing your windshield, minus your deductible.
2. Glass Coverage Add-On: Some insurers offer a specific add-on for glass coverage. This can be a smart investment if you drive frequently on highways or in areas prone to loose gravel and debris. With this coverage, you may have little to no deductible for windshield repairs.
3. Liability-Only Coverage: If you only carry liability insurance, you’re out of luck. Liability coverage pays for damage you cause to others, not for damage to your own vehicle.

For instance, Jane, a customer of Hertvik Insurance Group, discovered a crack on her windshield after a rock hit it. Fortunately, she had comprehensive coverage with a low deductible. Hertvik Insurance promptly handled her claim, and she had her windshield replaced with minimal out-of-pocket cost.

What Do I Do?

So, what should you do when a rock cracks your windshield? Here are the steps to take:

1.Assess the Damage: If the crack is minor, you might be able to repair it. Many small chips and cracks can be fixed without replacing the entire windshield. However, if the damage is extensive or in the driver’s line of sight, replacement is usually necessary.

2. Contact Your Insurance Provider: Report the incident to your insurance company as soon as possible. They will guide you through the claims process and connect you with approved repair shops.
3. Get Professional Repairs: It’s essential to have a professional handle the repair or replacement. DIY fixes can often make the problem worse. A qualified technician will ensure the job is done correctly, maintaining the integrity of your windshield and the safety of your vehicle.

For example, after a rock struck her windshield, Sarah immediately contacted Hertvik Insurance Group. They walked her through the process, helped her find a reputable repair shop, and ensured her claim was handled efficiently. Within a few days, Sarah’s windshield was as good as new.

Next Steps

Dealing with a cracked windshield doesn’t have to be a headache. By knowing your insurance coverage and taking the right steps, you can get back on the road quickly and safely.

If you want peace of mind and comprehensive coverage that takes care of unexpected issues like windshield damage, contact Hertvik Insurance Group today. Our knowledgeable agents are ready to help you find the best coverage for your needs. Don’t wait until an unfortunate incident leaves you stranded—reach out to Hertvik Insurance Group and drive with confidence.

Call Hertvik Insurance Group now and get a free quote on comprehensive auto insurance. Your safety and satisfaction are our top priorities.