Cars sustain damage more often than most people realize. They only get to know about it once they own the car. On the other hand, all car damages are not the same and are divided into various categories. The damage caused to the windscreen needs utmost care and immediate treatment, and driving with them is not safe at all. However, you can file an insurance claim if you are unprepared to bear the expenses.
You cannot just file an insurance claim if you do not have enough savings to cover the damage. Instead, you can only file for compensation when the damage occurred unintentionally or due to a third party’s mistake. If you are intentionally involved in causing the damage, you cannot get compensation.
Keep scrolling down this article to learn in detail about the types of screen damages covered by insurance claims and ensure to avail of them.
Top 6 Types of Screen Damages Covered by Insurance Claim
Winning over insurance claims is not easy, and authorities might hold you accountable for the damage. Therefore, it is crucial to learn about the types of damages certain insurance claims can cover and save yourself from unfruitful hassle. Car damages are of various types and are not all covered under insurance claims. The damage has to be unintentional and natural to be compensated.
Here are the major types of windscreen damages that insurance claims can cover.
1. Rock Smashes
Rock smashes the first and foremost type of windscreen damage that an insurance claim can cover. It is normal for rocks and pebbles to hit the screen if you drive fast on a not-so-clean road. So, the damage is not intentional, which is why you can claim insurance for it. However, insurance may not offer support if you intentionally hit rocks and break the screen. In such a case, you can contact replacement windscreen technicians London to pay for the replacement and ensure your car and screen are in the best shape.
2. Trees Falling on Screen
Trees falling on the screen is another damage covered by insurance claims. Storms and heavy rainfall have higher chances of uprooting trees. If you park your car under a tree, it can fall on the screen in case of a storm. In that scenario, you can claim the damages. However, if you intentionally park under the trees before cutting them down, the damage will be intentional and not natural. So, it would help if you dealt with it fairly and did not try to cause intentional damage, as you will not receive compensation for that.
3. Vandalism
Vandalism is one of the most crucial types of windscreen damage for which you can claim insurance compensation. The vandalism can be specifically targeted at you or your property, and your enemies can break the screen and damage other parts of the car. Your car can also become a target of furious protestors or criminal groups and develop damages due to their unfair practices. In any case, you can consult insurance experts and file for the damages.
4. Natural Disasters
Another significant type of windscreen damage for which you can claim insurance is natural disasters. Natural disasters can be of various types. The most common ones are weather-related, like heavy rainfall, storms, floods, typos, hurricanes, etc. Other natural disasters include earthquakes or building collapses. If any of such natural disasters cause damage to your car, you do not need to think twice before filing an insurance claim.
5. Balls Hitting Screen
Children and even adults like to play wherever they find little space. The parking area is often their favorite place to play. If they do not take necessary preventive measures, their ball can easily hit parked cars. The damage can be minor or severe. However, whatever the case, you can claim insurance for the damage caused by the scenario. It is not intentional or caused by your own mistake; therefore, you can claim and get compensation for it.
6. Damage Caused by Animals
The last type of damage that an insurance claim can cover is the one caused by animals. For instance, if some animals scratch your screen or jump on it, only to cause cracks, you can claim damages. The cracks can spread and require a replacement, so do not ignore the issue and tend to it carefully. You can consult replacement windscreen experts for an insurance claim and get the screen replaced to drive safely.
Is your car screen damaged?
First, you need to identify the type of damage and assess if you can claim insurance for it or not before proceeding any further. Do not hesitate to consult windscreen experts if the damage can be claimed or not and get it replaced to prioritize your safety.
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