Is my car totaled or can I repair it?

totaled or can i repair

totaled or can i repair

Whether you’re in a really bad car accident or a random act (like a tree falling) damages your car, it can be tough to know whether your vehicle is now a lost cause or if a body shop can bring your car back to life. Many people think that a “totaled” car simply means that the airbag deployed, but that’s not necessarily true. Here’s how to truly tell if your car is totaled or repairable, and how your car insurance handles either situation.

Is my car totaled or repairable?

The technical definition of a totaled car is a vehicle that has a repair cost that is close to or greater than the fair market value of that car. A car’s fair market value is the amount you would be able to sell the car for the day before the accident or damaging incident.

For example, let’s say you were able to sell your car at $8,000 the day before the accident, and the cost of repairs from the accident total $6,000. The fair market value of your car would be $8,000, but because the repair costs are so close to the market value, your vehicle could be considered “totaled.”

Will my auto insurance help cover repairing or replacing my car after it is totaled?

Your auto insurance can only help you repair or replace your vehicle if you have the right coverage. If you’ve opted for only the minimum car insurance requirement for Georgia, you may be out of luck. The state minimum coverage is only built to handle your legal obligation to the other driver if you’re found to be at fault in an accident. It won’t help you cover the damages or injuries that you have.

So, if your car is damaged by an accident, your only hope to have your costs covered would be if the other driver was at fault AND they have the proper insurance to fully cover the repair or fair market value costs of your car.

However, if you have collision and comprehensive coverage, you may not have to depend on the other driver’s insurance  – which can be especially good news if you’re dealing with an uninsured driver. The type of coverage that can handle the costs depends on the type of incident, though.

Collison vs. Comprehensive car insurance

If you’re in a car accident that damages or totals your vehicle, collision coverage is the part of your policy that can help you.

Comprehensive coverage is the part of your policy that can help you cover repairs or vehicle replacement if almost anything else happens. Comprehensive coverage can usually help you cover incidents like:

Whether you’ve been in a car accident or not, though, to have your car repaired, you’ll have to pay your deductible before your insurance pays for the rest. This means that if you have a $500 auto insurance deductible and the cost to repair your car is $6,000, you would have to pay $500 of the repair bill and your insurance would cover the remaining $5,500.

Keep in mind that your insurance company will do their own evaluation of the repair costs and fair market value of your car. So, it’s important to also get second opinions and do your own research on the repair costs and market value of your vehicle.

Can I debate the fair market value of my car?

There are times where an auto insurance company may price a repair at a higher rate or assign a lower market value to your car than it was actually worth. This is because car insurance companies use certain software programs to estimate repair costs and car values.

These programs may not search as widely as you can for the best prices. So, your carrier may price your repairs closer to your car’s fair market value. They may also assign a lower market value to your car so it’s closer to a reasonable repair cost. In either case, the insurance company could end up totaling out your car when it’s not necessary and more expensive for you to get a new car.

For example, let’s say that your insurance company says it will be $6,000 to repair your car after an accident. Then, they say that the fair market value for your car was $7,000. However, Kelley Blue Book or a used car lot actually values your vehicle at $10,000 because they took other factors into account that contribute to the true value of your vehicle.

If you completely relied on the insurance company’s software, they would probably total out your car and may only pay you $7,000. So, you would have to pay an additional $3,000 out of pocket to get a similar car to the one you had.

How to prove the fair market value of your car

Using our example, if you were able to bring your claims adjuster proof that the fair market value for your car was actually $10,000, you may then only have to pay $500 out of pocket for the repair. Then, the insurance company would pay the remaining $5,500. That way, you would only have to spend $500 instead of $3,000 in the long run.

So, if your insurance wants to total out your vehicle, make sure that you’ve done your research by:

  • Looking up prices for comparable vehicles in the area
  • Checking online resources for the value of your vehicle and for the pricing of your repairs
  • Going to a used car lot for a written appraisal of your vehicle
  • Getting prices from multiple body shops (They may be able to repair your car for less than the insurance company quoted you for.)

Get quotes for the car insurance you need.

It can be scary and overwhelming when you’re handling the aftermath of an accident. It can be even more challenging if you don’t have the right coverage. That’s why our insurance experts are here to help. We use our expertise to get you quotes on the best car insurance for your specific situation and the risks you may face – for great rates! Don’t miss out on getting cheaper rates for the car insurance you deserve. Fill out our online form, give our experts a call, or click the chat bubble in the bottom right-hand corner to connect with an agent today.

Am I covered by insurance if my garage burns down with my car in it?

What happens if your garage burns down?

What happens if your garage burns down?

Sometimes understanding what your insurance covers is cut and dry. If your house is damaged by a hailstorm, your home insurance could help you cover the damage. If you hit a deer with your car, your car insurance could cover the damage. However, sometimes the line between what your home insurance covers and what your car insurance covers gets a little blurry. For instance, which insurance plan covers your car if your house catches fire and the fire spreads to your garage – a garage where you expected your car to sit, safe and sound? Here’s the deal.

Will my home insurance cover my car if my garage burns down?

Well, the fire did start in your home and then spread to another, attached part of your home, right? However, just because your car was sitting under that attached part of your home doesn’t mean your home insurance covers the damages to the vehicle.

Your home insurance is only built to handle the damages to the home itself. Actually most homeowners’ policies will say outright that they don’t cover vehicles. So, while your home insurance can help you cover the costs of rebuilding your home and the garage that housed your car, it most likely won’t help you cover replacing the vehicle itself.

Will my car insurance cover my vehicle if my garage burns down?

Well, it depends.

If you have the right auto insurance, it can help you cover the damages to your vehicle. However, the “right” coverage doesn’t necessarily mean the minimum amount of coverage you’re required to have.

The state of Georgia only requires you to have bodily injury liability and property damage liability for your car insurance. These coverages are only to cover your legal duty to another driver if you’re at fault in an accident. So, if you only have the minimum requirement for auto insurance, you’ll have to foot the bill when it comes to repairing your car, whether it’s damaged by an accident or in a fire.

So, what is the “right” insurance coverage to help cover your car in a fire? Comprehensive coverage.

Comprehensive car insurance coverage can help you cover damages to your car due to:

If you’re worried that you only have the state minimum insurance requirement, you may still be in luck. Although the state of Georgia doesn’t require you to have comprehensive coverage, your car loan company may. After all, your car is also their investment.

However, you’ll still want to look at your car insurance declarations page to know for sure that you have the comprehensive coverage you need and that you have a high enough limit to cover your car.

There’s still one small issue, though. Comprehensive coverage still doesn’t cover the damage done to your car in an accident. So, what does?

Collision & comprehensive coverage go hand in hand.

Collision coverage is going to be the saving grace in your car insurance policy if you’re in an accident. It’s the part of your auto insurance that can help you cover the damages to your car if you collide with something, like a tree or another car.

Usually, collision coverage comes with comprehensive coverage, for good reason. Think of it like this: if collision coverage is what covers your car hitting something, comprehensive coverage can help you cover things that hit your car. So, having both types of coverages are key to making sure your car is completely protected.

So, to answer the overall question: If your garage burns down with your car in it, your auto insurance plan would be the one to help you cover the costs of replacing the vehicle, but only if you have comprehensive coverage. As far as the garage itself, that would be a job for your home insurance to help you with.

An easy way to save money on both home and auto insurance is to fill out our online form! You’ll get to talk to an insurance expert who knows exactly how to get the rates and coverage you need. To start getting free, customized quotes, just give us a call, fill out our online form, or click the chat bubble in the bottom right-hand corner.

Am I covered by Atlanta car insurance if a tree falls on my car?

Comprehensive insurance generally covers you if a tree falls on your car.

Comprehensive insurance generally covers you if a tree falls on your car.

You’ve always thought your car was pretty sturdy. You’ve been through a lot together, after all. But that was before a tree decided to pick a fight with it while it was minding is own business, just chilling in the driveway. And, well…The tree won by the simple strategy of falling on it and squishing it. (Which seems like cheating.) Anyways, your main question is this: am I covered by Atlanta car insurance if a tree falls on my car? That’s what we’re going to unpack.

Am I covered if a tree falls on my car?

Well…generally you are if you have comprehensive coverage. If you only have liability coverage, the tree definitely won this one because you’re not covered from this type of loss.


Liability insurance is only meant to protect other drivers on the road (well, it also protects you by safeguarding your bank account.) If you’re in a car accident, your liability insurance will cover your legal obligation to the other driver (and help with your legal expenses if they decide to sue.)

The bodily injury part of your liability insurance can pay for the other driver’s medical bills, lost wages, and so on. The property damage part can help repair or replace the other driver’s car (or other property you happen to damage by driving into it – like a fence or something.) But it won’t help you repair or replace your car if it’s damaged in an accident. Or if, you know, a tree with some sort of grudge crash-lands on it.

That’s where collision coverage and comprehensive coverage come in.

Collision coverage will help you repair or replace your car if it’s damaged in an accident or another sort of collision.

Comprehensive coverage will help you repair or replace your car if something other than an accident or collision damages it (though, alas, it doesn’t cover everything.) It generally covers the following losses:

  • Fire
  • Theft
  • Vandalism
  • Animal strikes (for example, if you hit a deer)
  • Flood
  • And…falling objects (like if a tree falls on it)

So, as you can see, collision and comprehensive coverage are important pieces of the “protect your bank account” mission you embarked on when you got your insurance. If you have a loan on your car, your lienholder may require you to carry collision and comprehensive insurance. (They want to protect their investment in the car, after all.)

What about my deductible?

Well, yes – there is that…

Your deductible is the amount you’ve agreed to pay if you have a claim. You have your portion of the claim and the insurance company takes care of the rest. You can set your deductible at the level that you’re comfortable with, but you’ll have to pay it if you have a claim.

Here’s an example:

Let’s say your deductible is $500. That tree falls on your car (very rudely) and causes $6,000 of damage. You would pay $500 and the insurance company would pay $5,500. If it’s any consolation…they’re paying a lot more than you are.

(Note that your deductible can affect your car insurance rates. If you raise your deductible, you could see lower premiums because you’re less likely to file a claim. However, you don’t want to set your deductible so high that it would be a big financial burden to pay in the event that a rogue tree trashes your car. Or your car gets stolen. Or a fire destroys it. Consider how much you could comfortably afford to pay in the event of a claim and find your happy premium-deductible balance.)

If you’ve made an investment by buying a car, it makes sense to protect it with insurance. When you get car insurance, don’t forget to give some thought to collision and comprehensive coverage. It can prevent you from having to shoulder the entire cost of the car repairs from either an accident or a freak occurrence like a deer strike – or if a tree falls.

Get Atlanta car insurance quotes.

Get started with car insurance quotes by filling out our online form, messaging us on LiveChat, or giving us a call.

What is UM/UIM coverage, and why is it important?

UM/UIM coverage can help protect you if you're hit by a driver who doesn't have insurance.

UM/UIM coverage can help protect you if you're hit by a driver who doesn't have insurance.

Everyone wants to save money on car insurance. Maybe you’ve done the research, and now you have the exact types of coverage you need for the lowest price you can get. However, some people settle for the bare minimum of car insurance coverage to save money, or they just don’t get insurance (despite that being extremely illegal).

What do you do if you’re in an accident with someone who cut corners in their coverage? Carriers have actually come up with a great solution: Underinsured/Uninsured Motorist insurance. Here, we’ll tell you what it is, what it does, and why you should consider adding it to your policy.

What is Underinsured/Uninsured Motorist Insurance?

When you’re in an accident, whoever is at fault has a legal duty to the other driver to help cover any repair fees, medical bills, lost wages, etc. resulting from the accident. If the driver’s car insurance policy doesn’t have a high enough coverage limit to do that, then how do you get the extra money to handle the damage?

In comes Underinsured (UIM)/Uninsured (UM) coverage. This part of your policy can help pick up the slack from what the at-fault driver’s insurance doesn’t cover.

What’s the difference between an UNinsured and an UNDERinsured motorist?

An UNinsured motorist Is someone who just doesn’t have car insurance, whether they’ve had it lapse, they haven’t paid for a plan, or they just didn’t apply for a policy in the first place.

“Wait, isn’t it illegal to drive without car insurance?” Yes. Very. However, the Insurance Research Council reports that about 1 in 7 drivers still don’t have car insurance. So, while they’ll have their own set of problems to deal with (including fines and possible jail time), it’s important that you have UM/UIM coverage so that you can minimize your own issues after an accident.

UM/UIM coverage can protect you if you're hit by a driver without enough insurance.

An UNDERinsured motorist is someone who just doesn’t have enough car insurance to pay for the damages of an accident. An underinsured driver may just have the legal minimum of liability coverage for their car insurance. While that may legally give them insurance coverage, the liability limits of minimum requirement car insurance are rarely enough to help cover your medical bills or damage to your actual car.

Will my insurance cover a hit-and-run?

Say someone hits your bumper in a parking lot or scrapes the side of your car when they’re pulling out of a parking space, or just slams into the side of your car and takes off. In cases like these, you have no way of contacting the driver, nor getting ahold of their insurance (unless you’re a mind reader). So, in insurance terms, you were hit by an uninsured motorist and would need UM/UIM coverage to help pay for the damages.

Am I required to have UM/UIM coverage in Georgia?

You’re not technically required to have UM/UIM insurance in GA but consider this: The minimum requirement for insurance in GA is only 25/50/25. This means that the minimum amount of coverage required is $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 in property damage.

So, if the person who hits you only has that $25,000 to cover bodily injury liability, some of that money can be taken out for their court fees if you decide to sue them. So, you’ll only be compensated for less than $25,000 to help pay for your hospital bills, follow-up doctor visits, physical therapy, and other medical expenses resulting from the accident.

With UM/UIM coverage, your insurance can help fill in that gap between the other driver’s coverage limit and the actual cost of your medical expenses. So, the peace of mind can be worth the extra policy or endorsement to your personal umbrella insurance policy.

Keep in mind that UM/UIM insurance also has a minimum coverage limit that may still be less than the bodily injury and property damage bills you incur. So, the best course of action for determining the UM/UIM coverage you need is to get a policy that offers the same amount of coverage as your normal car insurance policy.

So, why should you get UM/UIM coverage? The simple answer is peace of mind. When you first started driving, you may have heard the adage that you have to drive for you and everyone else on the road. So, that can also include parts of your insurance coverage.

If you’re worried about the cost of adding this policy to your car insurance, don’t be! Our insurance experts are the best at asking the right questions to help you save money on the auto insurance you need. So, call us today or fill out our online form to start your free, easy quotes.

Decoding 7 different auto insurance coverages

There are many different auto insurance coverages.
There are many different auto insurance coverages.

The world of car insurance can seem very overwhelming and complicated. Insurance isn’t as simple as choosing a one-size-fits all policy. There are different coverages to think about as you’re getting insurance for your vehicle. But what do each of those coverages do? How can they help you and how to do they protect your bank account in the event of a loss or claim? We’re going to decode 7 different Atlanta insurance coverages for you.

Breaking down 7 auto insurance coverages.

1. Auto liability.

Okay, this one is really important as far as auto insurance coverages go. It’s the coverage that’s required by the state. Basically, it helps you cover the costs that you’re legally obligated to pay to another driver if you’re at fault in an accident. It can also help you cover legal expenses if you get sued.

There are different parts to auto liability insurance.

Bodily injury liability can help cover the medical expenses, pain and suffering, and lost wages of the other driver and their passengers if you’re at fault in a car accident. It can help you cover your legal obligations to them.

Property damage liability can help cover the damages to other peoples’ property if you damage it with your vehicle. For example, it can help cover the repairs or replacement of the other driver’s car if you get into a car accident. (Note that it will not cover the damages to your own vehicle.)

Pro tip: The minimum limits of liability insurance in Georgia are 25,000/50,000/25,000. That means that you would have $25,000 of bodily injury insurance per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability. (However, you might want to consider getting higher limits of coverage than the state minimum in order to protect yourself in case you ever get into a serious accident.)

2. Collision coverage.

Now, we mentioned that liability insurance won’t cover damages to your car if you’re at-fault in an accident. But that’s where collision coverage comes in – it can help you cover the repair or replacement of your own car if you’re in an accident or otherwise have a collision. (As far as auto insurance coverages go, this can help you protect your car.)

3. Comprehensive coverage.

Once again, liability coverage does not provide protection for your car. Comprehensive coverage can help you repair or replace your car if it’s damaged by something other than an accident. It covers losses like animal strikes, fire, vandalism, and falling objects (i.e. trees). It can even cover theft.

Pro tip: If you have a loan for your car, your lender or lienholder may require you to carry comprehensive and collision coverage.

4. Uninsured motorist/Underinsured motorist (UM/UIM).

Uninsured motorist and underinsured motorist coverage (UM/UIM) can help protect you financially if you are ever hit by a driver who does not have insurance (uninsured motorist) or who doesn’t have enough insurance to cover the total cost of the accident (underinsured motorist.)

Liability insurance is required by the state of Georgia, but not all drivers carry it. And some drivers might only have the minimum limits, which might not be enough to cover all the expenses resulting from a serious accident. That’s why you might want to consider UM/UIM when you’re thinking about auto insurance coverages.

5. Medical payments.

Medical payments coverage is a no-fault coverage that can help you cover your medical bills and the medical bills of your passengers following an accident.

6. Rental reimbursement coverage.

If you’re in a car accident, you might need to get a rental car while your own vehicle is in the shop being repaired. Rental reimbursement coverage can help you cover the expenses of renting a car while you’re waiting for your car to be fixed. It’s usually a fairly inexpensive coverage to add to your car insurance policy, but one that could come in handy. There will typically be a limit of coverage per day and per accident (for example, $30 per day and $900 per accident.)

7. Gap insurance.

Gap insurance can help you if you buy a new car and take out a loan. Since car values depreciate rapidly over time, you might find yourself owing more on your loan than your vehicle is actually worth. If you get into an accident, you might not get enough reimbursement from the insurance company to cover the balance of your loan. Gap insurance can help cover the difference.  

Those are seven auto insurance coverages decoded. When you’re getting Atlanta car insurance, it’s important to make sure that you have enough coverage to fully protect yourself in the event of an accident. It’s also important to evaluate whether you want your own vehicle to be covered by insurance (meaning that you would want to get collision and comprehensive coverage.) Anyways, hopefully these bite-sized explanations help to translate the strange language that is car insurance!

If you need to get car insurance quotes, we can help. Our agents can help you get multiple quotes for Atlanta car insurance so you can get the coverage you need. Getting started with quotes is easy – all you have to do is give us a call or fill out our online quote form.

What is gap insurance and do I need it for my car?

If you're buying a new car, you might want to consider gap insurance.

If you're buying a new car, you might want to consider gap insurance.Buying a car is probably one of the biggest purchases you’ve ever made or will make. It’s a pretty big deal. Beyond choosing which model and make you like – not to mention which paint color – you also have to think about which insurance coverages to choose for your new ride. One insurance coverage that might have you scratching your head is gap insurance. What is gap insurance? And, well, do you really need it? We’ll explain what you need to know about gap insurance.

What is gap insurance?

So, plenty of people think that if they’re in an accident, their car will be replaced for either the amount they paid for it or the amount they owe on the lease. But that’s not quite the case. The vehicle will be likely be replaced for what it was worth at the time of the accident or total loss.

And a new car’s value depreciates quickly (depending on the vehicle), and the value drops by quite a lot the second you drive off the lot. That means that if you’re in an accident a short time after getting the vehicle and the car is totaled, you might find yourself in the rather awkward situation of owing more money on the loan than the car was worth at the time of the accident.

That’s where gap insurance comes in. (It’s “real” name is guaranteed asset protection, but it so happens that the acronym is quite apt.) It’s an optional auto insurance coverage that can protect you if you owe more on the vehicle than the vehicle is worth at the time it was totaled. It will help you cover the difference between what the car is worth and what you owe on your loan. It covers the gap – get it?

Gap insurance can protect you financially.

Pro tip: If you’re taking out a loan on a car, your lender might require you to have collision and comprehensive insurance.

Here’s an example.

Let’s say you take out a $30,000 loan to buy a car (we’re assuming the vehicle costs $30,000.) After a year, the car is worth $24,000. But you still owe $27,000 on the loan.

So, these are the circumstances when you accidentally total your new ride.

You’ll come up $3,000 short when it comes to the balance on your loan, but gap insurance could step in and cover that amount. And then that $3,000 won’t be coming out of your own pocket.

Do I need gap insurance?

There are a few situations in which you might want to think about getting gap insurance to protect yourself against being “upside-down” (meaning you owe more on your loan than the vehicle is worth.)

If any of the following apply to you, you might want to give gap insurance some thought:

  • You took a zero percent down payment option.
  • You put a small amount down on the vehicle.
  • Your loan will last beyond three years.

In any of these scenarios, you could find yourself owing more on your loan than your vehicle is actually worth if it’s totaled.

What if I’m buying a used vehicle?

If you’ve decided to buy a used vehicle, you will most likely not be able to get gap insurance. It’s typically for new vehicles. However, you can cover your risk by making a sufficient down payment on the car and financing the vehicle for the shortest timeframe possible.

Do I need gap insurance if I leased my vehicle?

If you’re planning on leasing a vehicle, gap insurance is often considered crucial because there is no trade-in and little cash to put down on the vehicle to lease it. You could end up owing the difference between what you’ve paid and what you still owe on the balance of the lease if the car is totaled, just like if you bought a new vehicle.

So, it’s definitely something to think about.

How much does gap insurance cost?

Gap insurance is usually available for a nominal fee. It’s not super expensive considering the added protection it gives you for your new vehicle.

Pro tip: Don’t forget to ask your agent about car insurance discounts to save money on your auto insurance premium.

So, that’s the deal about gap insurance. It’s designed to protect you when you buy a new car and could potentially owe more on your loan than your vehicle is worth. If you’re buying or leasing a car, you might want to give some thought to adding gap insurance to your car insurance plan.

And if you’re buying a new car, we can help you get the insurance you need. We know that car insurance can get overwhelming, which is why our goal is to make car insurance as easy as possible. We can help you get quotes for your car insurance, and all you have to do to get started is fill out our online quote form or give us a call today.

Does my Atlanta car insurance cover a rental car if I’m in an accident?

If you need a rental car after an accident, you'll need rental reimbursement coverage.

If you need a rental car after an accident, you'll need rental reimbursement coverage.

So, you’ve been in an accident, and you need to take your car to a mechanic or a collision center to be repaired. But there’s still tons of stuff you need to do that all depend on your car – you need to get to school or work, you need to get the kids to practice or lessons, or you just need to be able to get your weekly groceries. In any case, you’re dependent on your dependable transportation. So, you get a rental car.

The problem is, rental cars can cost you hundreds of dollars a week, and you may not have that kind of money lying around. So, how can you get help in paying your rental fees? For that, there’s rental reimbursement coverage. Here’s how it works.

What is rental reimbursement insurance?

Rental reimbursement coverage is just like it sounds – it can help reimburse you for the costs associated with renting a car while your car is in the shop after an accident. However, this type of coverage isn’t automatically included in your car insurance. It can usually require you to have an endorsement to your policy. In other words, you have to have this coverage on your car insurance in order for your rental car to be covered if you’re in an accident.

How long will my insurance help pay for my rental car?

Well, it is a rental car – you can’t just keep it forever, even if you do like it more than your regular ride. Your policy will usually have a per-day and a per accident limit which will vary based on your coverage. In Atlanta, your typical rental car can cost about $20 – $30 a day, depending on the type of rental you get. So, your rental reimbursement coverage may only cover about $20 a day and up to $900 per accident.

For exact coverage numbers, it’s important to talk to your agent or look at your auto insurance declarations page. You agent or carrier may also give you some recommendations for rental car companies they’ve worked with for an even smoother reimbursement process.

How much does rental reimbursement insurance cost?

Rental reimbursement coverage usually isn’t that expensive in relation to your current monthly rates. It depends on your plan, your insurance carrier, and your driving history, but even with the worst driving record it’s not going to cost you a lot to have that peace of mind.

If you’re looking for the absolute lowest rates on car insurance, you may be tempted to skip rental reimbursement coverage. However, if you’re in an accident, a few dollars more on your policy is probably going to be more appealing than spending around $200-300 a week on a rental car. And that’s on top of any repair costs you may have to pay before you meet your car insurance deductible.

How can I save money and afford rental reimbursement coverage?

If you’re still worried about the added cost of rental reimbursement coverage, there are tons of ways to save on your original auto insurance policy:

  • Make sure you have a good driving record – it makes you seem less risky to the insurance company.
  • Ask about discounts (especially bundling)
  • Ask your agent if your car’s safety features can lower your premium
  • Boost your credit score
  • Shop around for car insurance

These tips can help you save some money on your car insurance so that you can add rental reimbursement coverage. It may seem like a pain to shop around for a great car insurance rate, but the peace of mind will ultimately pay off. After all, the whole point of car insurance is to be able to take care of your needs in a worst-case scenario.

That’s why our agents are insurance experts. We’ll use our knowledge and exclusive connections to get you customized quotes for the coverage you need. And we’ll save you money through it all! To start getting your free auto insurance quotes, give us a call or fill out our easy online form.

Will Atlanta car insurance cover a cracked windshield?

If you have a cracked windshield, it's important to get it repaired.

If you have a cracked windshield, it's important to get it repaired.

Whether it’s a tink or a thump, it can be annoying at the very least to have a cracked windshield. “Whatever,” you may think, “it’s just a little crack. What’s the harm in leaving it there?”

Thinking about the unexpected time it will take to repair the windshield and the cost of getting your windshield repaired or replaced can be one big headache. Plus, it can be tough knowing where to start to get your glass repaired. Here are some of the biggest questions you’ll need to ask yourself if your windshield is cracked.

If there’s a small crack in my windshield, should I get it repaired?

In short, yes.

Even if it’s just a tiny chip in your windshield, that nick can quickly transform into something more. Whether another rock hits your windshield or you run over something, another impact could cause that crack to spread or shatter a part of your windshield. Even running over a speed bump, a road plate, or a pothole could make a chip or tiny crack ten times worse.

Other than being an eyesore, your windshield can be responsible for up to 60 percent of your car’s structural integrity. Additionally, the larger the crack is, the more money it’s going to take to repair in the long run. You could even end up paying to replace the entire windshield if the crack gets too big. So, it’s probably just better to nip the problem in the bud.

Does my windshield need to be repaired or replaced?

There are three main factors that will determine whether your cracked windshield will need a quick repair or a replacement. You’ll need a full replacement if:

  • The length of the entire crack is more than 6 inches long. (It depends on the company you use, but this is usually the standard that glass repairers use. Anything larger can still severely impact the structural integrity of the vehicle if it’s simply repaired.)
  • The damage is close to the edge of your windshield. (Again, cracks that are located close to or on the edge of your windshield are compromising the structural integrity of the car and are probably a lot deeper than a surface crack.)
  • The driver’s line of sight is obscured by the damage. (Even with all of the repair technology out there, the resin that is used to repair a windshield may still warp the glass slightly, which is something that you don’t want as a distraction while driving.)

Otherwise, you should be in the clear to have your windshield repaired! If you have the repair done by a reputable glass repair company, repairing your car’s glass shouldn’t be that expensive or time-consuming. Rather than replacing a piece of glass, windshield repair companies use a special resin that works with the properties of the glass, which is made to splinter into extremely fine cracks on impact.

Comprehensive car insurance can help you cover the cost of repairing the cracked windshield.

Will my car insurance cover a windshield replacement?

So, maybe you do fall into one of the categories we mentioned. Great. Now you have to pay to have an entire cracked windshield replaced and installed. Or do you? Can Atlanta car insurance cover a cracked windshield?

If you have comprehensive car insurance, more than likely, you can be covered for the cost of replacing your windshield. Unlike collision coverage that covers damages to your car due to you hitting another car, comprehensive coverage can help you handle losses not caused by a crash (i.e. fire, vandalism, burglary, falling objects, car theft, and animal strikes).

However, it’s important to take a look at your plan’s declarations page and the amount of your deductible to make sure that your insurance will actually help you cover the costs. If your deductible is more than the cost of the new windshield and you haven’t met that amount, you may still have to pay for the windshield out-of-pocket. Some states allow the deductible to be waived in the case of glass damage, but unfortunately, Georgia is not one of those states.

What company should I choose to replace my windshield?

Just like any other business, you want to make sure that you do your research. Simply going to a major retailer doesn’t necessarily mean that the company is the best fit for you. Here are some things to consider when you’re looking for a company to replace or repair your cracked windshield.

  • Do they have good reviews? – Places like Google and Angie’s List can be extremely helpful when finding feedback on a business’s service quality.
  • Are they a reputable business? – The Better Business Bureau’s website will usually have information, ratings, and any formal complaints listed for a legitimate repair business.
  • Do they have warranties for their work? – Most reputable glass repair services will warranty or guarantee their work for 90 days at least.
  • What is their employee training like?
  • Is the company certified by the National Windshield Repair Association (NWRA)?
  • What kind of tools do the employees use/wear when working on your windshield?
  • What kind of adhesive do they use?

These are just some of the things to keep in mind when looking for a windshield repair company, whether they’re a major retailer or not. You may also want to ask your insurance carrier if they have any preferred providers for windshield repair, even if you haven’t met your deductible.

So, there we are! Not a lot of people know that their car insurance can help cover this type of damage because it just seems like a cosmetic issue. However, if you want to keep your car sturdy, any damages to your windshield should be addressed as soon as possible through a reputable repair service.

And to find the perfect insurance coverage for anything that you and your vehicle are up against, our agents are the experts at finding the best car insurance for your particular area and situation for low rates! Call 404.352.0304 or fill out our online form to get free quotes on Atlanta car insurance and find out how much you can save.


Did you know the answers to these ten Atlanta car insurance questions?

There are a lot of details that go along with car insurance.

Auto insurance can get confusing. You just want to be able to drive and get yourself to where you gotta go. It’s easier to put insurance out of your mind and assume that you’re covered for the what-ifs, but there are a few questions that you should know the answers to when it comes to car insurance. Knowledge is power, especially when you start talking insurance.

So here we go: ten questions about auto insurance and the answers – in fun-sized packages!

1. Is the minimum level of car insurance enough?

Probably not. The limits of car insurance that states require, called minimums, do give you some protection for your car. They might seem like a lot – for instance, Georgia requires $100,000 of bodily injury liability and $25,000 of property insurance. But if a serious accident happens, chances are that those limits will be exhausted quickly, leaving you to take the fall for the remaining amount. So, it’s up to you as far as what limits you want on your insurance, but you may want to consider going above the minimum.

2. Will bundling my home and auto insurance help me save?

Yes, it very well might! Insurance companies often offer a significant discount if you get both your home and auto insurance from them (this is called bundling.) Insurance companies love it when their customers like them so much that they get multiple products from them.

3. If a tree or branch falls on my car, am I covered?

Only if you have comprehensive auto coverage. This is different than the liability insurance required by the state, so it’s important that you know what comprehensive car insurance covers and if you have it. Comprehensive insurance covers your car if it’s damaged by something other than an accident. So, if a tree squishes your car into a pancake, you’d be covered if you had purchased comprehensive insurance.

4. Do I still need to keep my teen on my auto insurance when they go to college?

Yes. Your college student will still be driving when they’re home on breaks – chances are they’ll be begging you to borrow a car, so yes, they need to be on your insurance. You need to make sure your college student is properly insured.

5. Do I need to get rental car insurance from the agency?

Well, that depends on your personal auto policy. You may or may not need to get insurance from the agency – you’ll have to check your auto policy and see if your own insurance carries over to the rental vehicle, and you’ll have to decide what levels of coverage you’re comfortable with.

Rental car insurance will often be offered by the rental agency.

6. If I’m in an accident and have to rent a car while mine is being repaired, am I covered?

You would have to add rental reimbursement to your policy for a small additional charge for the rental car expenses to be covered. Cars are often in the shop for two weeks following an accident, so it might be worth it to think about getting this extra coverage.

7. What happens if an uninsured driver hits me?

Your uninsured motorist coverage or collision coverage would take care of it if you’ve purchased either of these coverages. Again, these are not included in the minimum liability insurance coverages required by many states, so you’ll have to make sure that you’re fully covered.

8. If I drive a friend’s car, am I covered?

Their insurance would follow the car and kick in if you’re in an accident, but you have to be extremely careful because if their limits of coverage aren’t high and the damage goes above them, your own insurance would come next.

9. And if a friend borrows my car?

The same goes if your friend borrows your car. If they’re just borrowing it a few times, your policy should cover them. However, if they start driving your car more than you do, your premiums could be affected – the premiums are based on the primary driver and the vehicle itself. If they’re borrowing your car and using it more than you are, you should have them added to your policy to prevent any coverage mishaps.

10. Will car insurance cover things stolen from my car?

No. The belongings that you have in your car may, however, be covered by your home insurance or renters insurance, which should follow your possessions regardless of where they happen to be. So, if you have a suitcase in the trunk and it gets stolen, your home or renters insurance would be the best place to start. But you’ll have to check your policy.

Now, as far as things like sound systems or radios go, those are not covered. So, if you’ve tripped out the stereo system in your car, you may want to consider purchasing additional insurance to make sure that it’s covered in case of theft.

Your home insurance, not your car insurance, may cover items stolen from your car.

Phew. Auto insurance can be tiring. You may have noticed that a lot of the above answers include a fancy form of saying “it depends.” You need to make sure that you’re familiar with your auto policy and the coverage you’ve purchased to know exactly what you are and aren’t covered for. Don’t take any chances when it comes to insuring your vehicle – accidents can become very costly, and you don’t want to find out the hard way that you don’t have as much coverage as you thought.

If you’d like to get some free quotes for auto insurance, we’d love to help you out with that! We can help you do your car insurance shopping. To get started with your car insurance quotes, all you have to do is fill out our quote form or give us a call today!