Q. I’d like to
cover my vehicles for glass damage. Can PEMCO help with that?
A. Yes, we
You’re driving down the road, minding your own
business, when a rock flies out of nowhere and hits your windshield. There’s
now a huge chip in the glass and you’re worried that it might evolve into a
crack at any moment. Many of us have been there before, myself included.
When the glass damage happened, did you already
know if you were covered for this type of loss? Did you call PEMCO with a bit
of uncertainty about the answer? I knew I was covered, but unlike most I’m an
insurance agent who enjoys poring over insurance rules, regulations, and
contract verbiage. I take at least one call a day from customers with damaged auto
glass who aren’t sure if they’re covered.
Thankfully, in this case it’s easy to determine
coverage. On the date of the loss, did your vehicle have Comprehensive
coverage with no restrictions? Was the damage accidental?
If the answer is “yes” to both questions, you’re covered for the glass.
Keep in mind that your Comprehensive coverage comes
with a deductible of your choosing. If the auto glass shop can repair your
window without replacing the glass, PEMCO waives your deductible. However, if
the glass must be replaced, you’ll pay your deductible first and then PEMCO pays
for the remainder.
Not sure if you have Comprehensive coverage? You
can review your latest declarations page, call Customer Service to speak with
an agent, or look at your coverage online with your pemco.com account, perhaps using the Go PEMCO! app for iPhone or Android. Once you’ve verified your
coverage, or if you already know you carry Comprehensive coverage, drive to a reputable auto glass shop for repairs.
As always, feel free to reach out to your local
agent or call our Customer Service Department if you have questions.