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Damage to your vehicle often results in an increased premium on your account, but that is not always the case in Newark, New Jersey. Depending on the situation and the type of insurance that you purchase, it may be possible to avoid additional expenses when your windshield is damaged.
Situational Damage
If your windshield is damaged, then the situation may play a role in the impact on your auto insurance policy. In some cases, the damage may be covered by your insurer. If the damage is covered and you make a claim, then the reason that the damage occurred might impact your premiums.
When damage is related to a storm, such as a hail storm or a fallen tree branch, you may not see a dramatic impact on your rates. Unfortunately, an accident that damages your windshield may cause your insurer to increase your premium due to the higher risk.
Forgiveness Programs
The type of policy that you purchased may also impact your premium. If your vehicle is enrolled in an accident forgiveness program, then the damage may not impact your monthly rate. In some cases, the insurer will forgive the first accident without increasing your premium or making changes to your account.
Qualifying for a forgiveness program will depend on your insurer. In most cases, you will need an excellent driving record to qualify. If the damage is caused by an accident, then the program will allow you to avoid additional costs.
Replacing the windshield is often annoying, but it does not necessarily mean that your insurance rates will increase. Depending on your policy and the situation, you may be able to maintain your current rates. To learn more about your insurance policy, contact us to talk to an independent agent today.