report to insurance or not?

Question

i was driving down the freeway yesterday and a rock hit my windshield. it now has two huge cracks. and i have to get it replaced i know it cant be repaired. my deductible on my insurance is $500, should i report it to the insurance or not? would it be cheaper to just fix it myself?

Answer 1

Some Insurance companies offer Glass coverage so check if you have that on your policy. If not you can fix it yourself or you can file a comprehensive claim but you will have to pay your deductible first. BUT if the damages are less than your deductible you cannot file a claim, Ex: If your deductible is $500 and the damages are for $300 you cannot file a claim since you would need to pay the $500 to get it fixed. If you have damages for $800 you would pay your ded. of $500 and the ins. will cover the rest. Good luck!