auto coverages

Ironically enough, the summer months are a common time for hail. Who would have thought that frozen chunks of ice could plummet from the sky when it’s supposed to be sweltering outside? If your car lives outside and doesn’t get parked in a garage you might wonder – does Atlanta car insurance cover hail damage? It’s a fair question. Hail can wreak havoc on an unsuspecting vehicle. We’ll explain what you need to know.

Does car insurance cover hail damage?

Well, it depends on what coverage you have for your vehicle.

Here’s why:

If you have comprehensive coverage, yes – you’re probably covered for hail. But if you only have liability coverage for your car, you would not be covered for hail damage to your car. That’s because your liability coverage doesn’t cover your car. It’s meant to protect other drivers on the road from you.

There are two portions of liability insurance:

Bodily injury liability – Covers the other driver’s medical bills and pain and suffering if you’re at fault in an accident.

Property damage liability – Covers the repairs or replacement of the other driver’s car if you’re at fault in an accident (as well as other property you might damage with your car.)

Basically, liability helps cover your legal obligation to the other driver if you’re at fault in an accident. It can help you cover your legal expenses if you get sued, too. It’s your financial safety net if you’re ever in an accident where you’re at fault.

It’s not, however, your financial safety net if your car gets damaged by something like hail.

But like we said, if you have comprehensive coverage, you’re generally covered for hail damage. Hail damage can get really expensive because it pummels your entire vehicle, but comprehensive coverage can help cushion the blow.

What is comprehensive coverage?

Comprehensive coverage can help repair or replace your car if it’s damaged by something other than a collision (there’s another coverage for that, which we’ll explain in a minute.)

Losses covered by comprehensive coverage typically include:

• Fire
• Theft
• Vandalism
• Animal strike (i.e. hitting a deer)
• Falling objects (i.e. falling trees)

So, yes, if you have comprehensive coverage, you should be covered for that unfortunate hail damage and you won’t have to cover all the damage on your own. You’ll probably be out your deductible, though, but better than having to foot the whole bill, right?

Now, we mentioned coverage that can help you repair your car if you’re in an accident. That coverage is collision coverage (appropriately named, right?) It goes hand-in-hand with comprehensive coverage.

What is collision coverage?

Collision coverage is the insurance that can help you repair or replace your car if it’s damaged in a wreck (or if you run into something.) Since liability coverage doesn’t protect your car, it won’t pay to repair or replace your car if you’re at fault in an accident. That’s why collision coverage is so important. It’s a way for you to protect your investment in your car.

Am I required to have collision or comprehensive coverage?

If you have a car payment, your lender may require you to carry both collision and comprehensive coverage. They want to protect their investment in the vehicle. That car is valuable, after all! And things like hail damage aren’t cheap. Make sure that you have the insurance your lender requires.

So, if you have comprehensive coverage, yes – you should be covered for hail damage. But if you only have liability coverage…unfortunately, you’re probably not covered.

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

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:

• Fire
• Theft
• Vandalism
• Natural Disasters
• Hitting an animal
• Falling trees

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 professionals are here to help. We use our professionalise 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 agents a call, or click the chat bubble in the bottom right-hand corner to connect with an agent today.

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. But it’s important to read your policy carefully to see what it says about this sort of situation.

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:

• Animal strikes (i.e., if you hit a deer with your car)
• Falling objects (i.e., if a tree falls on your car)
• Theft
• Vandalism
• And fire!

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 professional 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.

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.

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 may not be enough to help cover your medical bills.

Will my insurance cover a hit-and-run?

Say someone 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 could get help from your UM/UIM coverage.

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.

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 coverage.

Keep in mind that UM/UIM insurance also has a minimum coverage limit that may still be less than the medical 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 professionals 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.

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.

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?

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.

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.

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 professionals 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.

Source:

https://info.glass.com/repair-or-replace-my-windshield/

https://www.insurancejournal.com/magazines/mag-features/2012/07/02/253290.htm