Does Car Insurance Pay for Broken Window?
Car insurance doesn't pay for broken windows, at least I've never heard of any such thing happening. What usually happens when you get in an accident though is that your own liability coverage pays for things like injuries to other people and property damage to their cars and houses etc., while collision replaces your car if it's totaled or costs more than your deductible (if you have one). A windshield replacement would fall under the former, but again that would be up to your liability coverage and not car insurance.
Now, if you do have coverage for broken windows I would imagine that it's part of your comprehensive and collision (if you have both). If this is the case and your deductible is high enough then I'd just go ahead and get it done without calling to ask for permission because chances are they'll just say yes anyway.
That said, if your deductible is low or there's a chance they might not approve it then call and ask first – you don't want to end up shelling out money that you were going to get reimbursed for.
Also, if your deductible is low or there's a chance they might not approve it then call and ask first – you don't want to end up shelling out money that you were going to get reimbursed for.
If this is the case and your deductible is high enough then I'd just go ahead and get it done without calling to ask for permission because chances are they'll just say yes anyway.
And also, if you are supposed to have comprehensive coverage for broken windows, they might require you to use a specific glass company. If that's the case then call them before getting it fixed because they might charge you more or give you some kind of discount.
##Is there any way your insurance will cover the costs of an accident if no police report is filed?##
Nope, unless you're willing to lie through your teeth. Chances are though that even with an official police report in hand they won't be able to pay for anything so I'd just go ahead and file one if at all possible. Some states do have laws on the books which can let insurance companies off the hook when there isn't enough evidence to prove who was at fault, but that would only ever apply if there are serious injuries or deaths involved.
The windshield replacement would fall under the former, but again that would be up to your liability coverage and not car insurance.
Car insurance doesn't pay for broken windows, at least I've never heard of any such thing happening. What usually happens when you get in an accident though is that your own liability coverage pays for things like injuries to other people and property damage to their cars and houses etc., while collision replaces your car if it's totaled or costs more than your (if you have one). A windshield replacement would fall under the former, but again that would be up to your liability coverage and not car insurance.
Since it's a non-collision-related issue you should call your insurance company or agent before you have it fixed or buy a new windshield. That said, if your deductible is low or there's a chance they might not approve it then call and ask first – you don't want to end up shelling out money that you were going to get reimbursed for. And also, if you are supposed to have comprehensive coverage for broken windows, they might require you to use a specific glass company. If that's the case then call them before getting it fixed because they might charge you more or give you some kind of discount.
It may also be worth noting that if your car isn't insured and gets in a fender bender or something and you don't have the minimum liability coverage required by law then you could wind up with fines/tickets and possibly even having your license suspended! That said, if your deductible is low or there's a chance they might not approve it then call and ask first – you don't want to end up shelling out money that you were going to get reimbursed for. So yes all of these things can happen, but most states require at least $10k per person/$20k per accident
And lastly, please note that insurance companies cannot require you to use a specific glass company. Please see the following: https://www.iii.org/article/how-auto-glass-replacement-laws-work.
Panama City, FL