You’re driving to work one morning, and a rock from the dump truck in front of you hits your windshield. You pull over and notice a crack in the glass. While it's a common scenario, some drivers may not know if their car insurance will pay for the repair. Zimmerman Insurance Agency in High Point, NC, is the Triad's trusted provider and explains what's covered and what's not.

One of the first items an agent at the independent firm will look at is the policy. If you  have comprehensive coverage, the costs to repair the cracked windshield are likely covered. This often means the carrier pays the total cost of the repair, though this will depend on the details of your policy. The glass company may even repair or replace your windshield at your home or your place of work.

Another important factor is the deductible per claim. Repairs of small cracks or chips could be covered 100% by the insurance company with no deductible. In the case of a window replacement the deductible may apply.

Even if a vehicle's windshield sustains minor damage, it's best to get the repairs done right away. Small cracks can turn into big ones and create extremely dangerous and costly problems later. You may also be subject to tickets for operating your vehicle with a cracked windshield.

Let Zimmerman Insurance Agency take the guesswork out of knowing if your policy covers damaged windshields. To review your existing coverage or shop for more affordable plans, call (336) 883-6512 today. Visit their website for more information on car insurance and other policies to protect your assets.