You were driving along as usual when a rock flew off a commercial truck and landed on your windshield, breaking it. Now that the shock has worn off and everyone in your vehicle is safe, you need to determine who pays for windshield repairs--your insurance or the trucking company. Most of the time it is your insurance that pays for a broken windshield.

Why Does My Insurance Usually Pay for Windshield Repairs?

1. Type of Damage

Trucking companies do not pay for windshield repairs if a rock falls from the commercial vehicle, bounces off the road, and hits your car. This type of contact turns the rock into a road hazard that is no longer the responsibility of the truck driver. Many commercial trucks feature signage telling drivers to stay back 100 feet for this reason as well as the possibility of the vehicle kicking up rocks and dirt that hit your car.

2. Exceptions

While trucking companies are generally not liable for windshield damage, there are two notable exceptions. If the commercial truck was overloaded or its cargo was not securely fastened to the trailer, the company was breaking state safety laws and will probably have to pay for windshield repairs.

However, if the commercial vehicle features freeboard or several inches of wood above the trailer sides, the company is not liable because these trucks do not need to be covered as per state law. This is the one special case that prevents many trucking operations from paying for rock-related damage, even if too much cargo is on board.

3. Insurance Coverage & Deductibles

If you have comprehensive auto insurance coverage, you pay more in premiums every month but will not have to cover a deductible regarding windshield repair costs. Unless you have this coverage or live in a zero-deductible state, such as Kentucky, Florida, or South Carolina, you will have to pay the deductible if you cannot prove the trucking company was breaking the law. Zero-deductible states waive insurance deductibles for windshield replacements and repairs.

Review your insurance policy and maintain a safe distance behind commercial trucks in the future. Get the windshield repair services you need at Capital Auto Glass; the specialists proudly serve drivers throughout Lincoln, NE. The company deals directly with insurance companies, so you are back on the road quickly. Call (402) 421-6653 to schedule your repair or visit the website for a full-service list. Like the Facebook page for more helpful information.