A small stone chip, a loud crack – and it’s happened: the windshield is damaged. It’s always annoying, but especially so if you don’t know whether and how your insurance will cover the damage. This article is exactly about that. We clarify the question “partial coverage stone chip windshield” and give you valuable tips for how to proceed.
What Does Partial Coverage for Stone Chip Windshield Actually Mean?
Partial coverage insurance (Teilkasko) is an optional additional insurance to car liability insurance. It covers damage to your own vehicle caused by, for example, fire, theft, storm, hail, or stone chips. The term “partial coverage stone chip windshield” therefore refers to the assumption of repair costs or the replacement of the windshield by the insurance if it has been damaged by a stone chip.
Stone chip damage on a car windshield
When Does Partial Coverage Pay for Stone Chip Damage to the Windshield?
Partial coverage insurances generally cover the costs of a stone chip repair or the replacement of the windshield. However, there are a few points to consider:
- Type of Damage: Small stone chips that can be repaired are usually covered by partial coverage without further problems. For larger damage requiring complete windshield replacement, the insurance company may require proof of the necessity of the replacement.
- Deductible: Most partial coverage insurances come with a deductible. This means that you have to pay a portion of the repair costs yourself. The amount of the deductible depends on the chosen tariff and should be checked in the contract.
- Workshop Commitment: Some insurance companies work with specific workshops. In this case, you may be obliged to have your vehicle repaired in a partner workshop.
How to Proceed After a Stone Chip?
If you notice a stone chip on your windshield, you should take the following steps:
- Document the damage: Take photos of the stone chip and note down the exact circumstances of the damage.
- Inform insurance company: Report the damage to your insurance company as soon as possible.
- Follow insurance instructions: The insurance company will tell you how to proceed.
Advantages of Partial Coverage for Stone Chips
Partial coverage insurance offers you numerous advantages in the event of damage:
- Coverage of Costs: The insurance covers the costs for the repair or replacement of the windshield – minus the agreed deductible.
- Quick Help: The insurance company is at your side with advice and assistance and helps you with the processing of the claim.
- More Safety in Road Traffic: A damaged windshield impairs visibility and thus road safety. Quick repair or replacement of the windshield minimizes this risk.
Repairing a stone chip on a windshield
Frequently Asked Questions About “Partial Coverage Stone Chip Windshield”
- What does a stone chip repair cost? The costs for a stone chip repair depend on the size and position of the damage.
- Do I have to report the damage to the police? A police report is usually not necessary for a stone chip.
- Can I freely choose the workshop? Whether you can freely choose the workshop depends on the terms and conditions of your partial coverage insurance.
Conclusion
Partial coverage insurance offers you comprehensive protection against damage to your vehicle – especially for stone chips on the windshield. If you do not yet have partial coverage, it may be worth considering taking out a policy.
Do you have further questions about “partial coverage stone chip windshield” or need help with claims processing? Please contact us – our car experts are always at your side with advice and assistance!
