Did you know that the most frequent of vehicle claims is glass damage at the rate of 7.5 million per year, and 80 percent of those are windshield damage versus side or back glass? When a policyholder experiences windshield damage, it’s important to understand the differences between the repair and replacement options, and what the customer can expect, so that you can guide them through the experience. Following are the top 10 questions your personal or commercial policyholder may have for you. Can windshield damage be repaired? Damage is caused most often by a rock hitting the windshield while driving, which creates a chip. While most people assume the rock hit them, it’s actually the car in its forward-motion that hit the rock. Today’s lightweight windshield designs allow for the glass to splinter into a multitude of micro cracks that can actually be filled. Chips or cracks larger than one might expect can, in most cases, actually be repaired by experts in the vehicle glass industry.

If the damage is larger than six inches, a replacement is strongly recommended. It’s important to understand that a repair is not just a cosmetic fix. Rather, it is a bonding solution to restore the windshield’s structural integrity.frameless shower door edging Why should I bother with a repair?outdoor gas fire pit lowe's A small chip or crack in the windshield will likely spread. garage door prices chattanoogaIf it happens while driving, it can cause a dangerous distraction. panel lift garage doors sydneyThe most common causes of a chip spreading into a crack include sudden stresses, such as driving over potholes or speed bumps; auto glass repair bellevue

swift changes in temperature from using the windshield defroster in cold weather or the air conditioner in hot weather; high heat by itself; or just the accumulation of stress and vibrations from everyday driving. A repair is an economical and effective solution that can prevent the need for a replacement once the damage spreads. horse stable door boltedIt is also a faster and more convenient alternative, requiring 30 minutes or less.car door latch not closing Should I get a pre-inspection? A pre-inspection can save the policyholder from unnecessary work. Not all blemishes are chips. Sometimes there will be a scratch or pit in the surface that doesn’t reach down to the vinyl inbetween the layers of glass. Because this type of damage does not weaken the windshield, it is not necessary to fix.

In addition, there has been a large increase in questionable vehicle glass claims due to companies who offer “free” windshield repair. Sometimes, they try to convince the car owner to repair damage that may not need to be fixed. They will often begin the repair process before your policyholder has a chance to contact you, and they will even agree to assist in calling in the claim after the work is performed. How does a repair work? A vacuum is created over the damaged area. The air and moisture is removed, and the resin is injected penetrating and filling the finest micro cracks. Then UV light is used to harden the resin. What if a repair is not an option? If the damage is too large to be repaired or if the damage is close to perimeter of the windshield or in the line of sight, a replacement is necessary. Replacement cost varies depending on the make and model of the vehicle. All vehicle glass installed in the U.S. must pass National Highway Traffic Safety Administration baseline standards.

What does repair or replacement cost? Three states — Florida, Kentucky, South Carolina — waive the deductible for windshield replacement and repairs as part of comprehensive coverage as mandated by state law because driving with a damaged windshield is dangerous. They are called “zero deductible” states. Other states like Arizona, Connecticut, Massachusetts, Minnesota and New York allow policyholders to buy down the deductible for an increase in comprehensive premium. In addition, auto glass coverage falls under comprehensive coverage so if the insured has comprehensive coverage, then usually their policy will cover the glass. The majority of insurance companies waive the deductible on a repair (but not a replacement). Do I get to choose who does the repair or replacement? Every insurance company must honor the policyholders’ choice of vendors. However, not all vehicle glass specialists are created equal. Glass repair or replacement doesn’t have to be a hassle.

Appointments often can be made the same or next day. Many service providers will come to the insured rather than bringing the vehicle to a shop. How do I choose the best service provider? Customer experience, quality, warranties and trust should all be factored into selecting a vendor. Guide your policyholder into considering these questions: When your policyholder calls about the naturally upsetting situation of windshield damage, you can provide them the peace of mind that you have them covered.We provide all you need Shea's Luxury Detail has been serving Hawaii's most demanding customers and has taken pride in their ability to serve such discerning clientele. From automobile collectors to exotic and luxury vehicle owners, Hawaii's VIPs, business owners, entrepreneurs, and most importantly, Hawaii's hard-working middle class families. We also proudly serve custom chopper, cruiser, and street bike enthusiasts! Shea's Luxury Detail has been delivering exceptional auto and bike detailing since 2008 and has been voted the BEST by the Honolulu Star Advertiser four times!

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They are honest, friendly, attentive and help you to achieve your goal of what you want for your car while taking the time to explain each step of the process and what the result will be. After a wash/wax and paint correction, my car is shiny and spotless and we all know what a black car looks like when the paint is like a mirror. AWESOME job at a very FAIR price! MAHALO Shea's Luxury Detail! Always great service and always there to get the job done. Been seeing Shea and Candi for years and they are nothing but professional and friendly plus always accommodating my cars at the last minute on the monthly polish for the car shows. Shea and the crew are always using the latest and the best products to keep my cars clean and shiny for years to come. Mahalos to Shea's luxury detail! Shea and his crew are very professional. My truck looked like a new showroom model after they finished. My truck is black and anyone who knows how difficult black vehicles can be will understand this. I will definitely recommend this to anyone looking for nothing but the best.