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What's Your Comprehensive Insurance Deductible?

       Your comprehensive auto insurance has what's called a "deductible"-the amount you have to pay before insurance kicks in. To lower your premiums, you can bump your deductible up to $1000. In general terms, that means that if you make an insurance claim on your damaged vehicle, and the repairs are $1500, you pay $1000 and your insurance pays $500. Obviously, if your comprehensive deductible is $1000, it won't pay for a windshield replacement. But if you deductible is lower, such as $100, it could certainly help.

        So if you need a new windshield and it's going to cost you $350, if your comprehensive deductible is $100, it will only cost you $100 if you go through insurance. Of course, if your deductible is $500, insurance can't help you pay for a $350 windshield. If you don't remember what your comprehensive deductible is, take a look at your policy. Make sure you're looking at the comprehensive deductible rather than the collision deductible-they're two different things.

          Collision deductible is what you pay for getting your car fixed after an accident with another car or object .
         Comprehensive deductible is what you pay for damage due to fire theft or broken glass or hitting an animal (Deer ,dog etc)

         Many people don't want to make an insurance claim for auto glass replacement, as they're afraid their rates will go up. A cracked windshield, however, is usually not your fault. It's what the insurance companies call a "no-fault" claim, and as such won't raise your premiums. It does depend on how your car window was damaged and which insurance company and kind of policy you have.

        TEKMEC Auto Glass Will Talk to Your Insurance Company for You:
Here's how it works. You let us know what insurance company you use and what your policy number is, and we contact them to arrange payment. You may have to get on the phone for a brief moment to confirm with your insurance company that you're using TEKMEC Auto Glass (this is something insurance companies often require). Then we take care of everything-billing, paperwork, the whole enchilada. Please note that some insurance companies, such as GEICO, require the customer to speak with the claims department directly, and then the insurance company will contact TEKMEC Auto Glass.