A sunroof is one of the best features that makes a car more luxurious, but it can also be a nightmare when it starts to have issues. If you are wondering whether your insurance will pay for the repair of your sunroof, the answer is yes, but not always.
Now, let us discuss how insurance operates with regard to sunroof repairs and what you can do in this case.
What Does Insurance Typically Cover?
The insurance coverage of sunroof repairs mainly depends on the kind of damage and your policy. Here are the general scenarios where insurance may apply:
- Accidental damage – Insurance usually covers if your sunroof is broken in an accident.
- Weather-related damage – Any damage that is done by the weather is usually covered by the insurance company.
- Vandalism or theft – If vandals or burglars break your sunroof, your insurance may pay for the repair or replacement.
- Falling objects – Comprehensive coverage may also cover damages caused by falling objects, such as tree branches or debris.
However, normal deterioration or mechanical breakdowns do not fall under this category. Therefore, it is important to find out more about your policy.
Common Reasons For Sunroof Damage
It’s important to know the causes of sunroof damage. This is because it will help you to decide whether your case might be considered by the insurance company.
So, do you want to know some of the most common reasons for sunroof damage? Then, read below.
- Cracks or chips in the glass
- Shattered sunroof
- Leaks
- Electrical or mechanical issues
Every kind of damage requires a different approach in terms of repair and insurance.
What To Check In Your Insurance Policy
When filing a claim, you need to know certain details of the insurance policy.
Do you want to know the key aspects that you should look out for? Continue reading.
- Type of coverage – Is your policy extensive or impactful?
- Exclusions – Is there any condition or type of damage that is not considered?
- Deductibles – What is the deductible or the amount you will have to contribute towards your own health care costs?
- Repair choices – Does your insurance company have its own preferred shops? Or can you choose your own?
Therefore, it’s really important to understand your policy so that you know whether or not to go through with a claim.
Bullet Auto Glass – Your One-Stop Shop for All Your Sunroof Needs
Are you worried about your insurance coverage? Don’t worry! Bullet Auto Glass has your back. We offer a wide range of sunroof repair services at competitive prices. If you have comprehensive insurance, we can repair your rock chip for free. So, what are you waiting for? Contact us right away at 604-880-1759 or visit our website https://bulletautoglass.com/ for more information.