You’re driving down the Garden State Parkway when—crack!—a rogue pebble strikes your windshield. Suddenly, you’re left wondering: Does NJ Manufacturers cover windshield damage?
It’s a common concern for New Jersey drivers, where road debris and weather can quickly lead to chips or cracks. Knowing your insurance coverage could save you stress and money when the unexpected happens.
In this article, we’ll break down NJ Manufacturers’ windshield coverage, explain what’s included, and share steps for filing a claim.
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Does NJ Manufacturers Cover Windshields? A Complete Guide
When it comes to your car, few things are as frustrating as discovering a crack or chip in your windshield. One of the first questions many drivers have is whether their car insurance covers windshield repair or replacement. If you are insured with New Jersey Manufacturers (NJM), you may be wondering whether your policy will help foot the bill for fixing your windshield. Let’s break down everything you need to know about windshield coverage under NJM auto insurance – in plain, simple terms.
Does NJM Auto Insurance Cover Windshields?
Yes, NJM auto insurance covers windshield damage, but the type of coverage you have will determine exactly how much help you can expect. Here’s how it works:
- Windshield damage is typically covered under your comprehensive coverage.
- Comprehensive coverage is optional. You must add it to your basic liability policy.
- If you have comprehensive coverage, NJM will help pay to repair or replace your windshield if it gets damaged by things like:
- Rocks or road debris
- Hail
- Vandalism
- Theft
- Falling objects (like tree branches)
- Animal collisions
If you only have basic liability insurance, windshield damage is not covered.
Understanding Comprehensive Coverage for Windshield Repairs
What Is Comprehensive Coverage?
Comprehensive coverage is an extra level of protection for your vehicle. It helps with “non-collision” incidents—basically, anything that’s not an accident with another car. This includes glass damage.
What’s typically included:
– Broken or chipped windshields
– Side and rear window damage
– Damaged mirrors
– Fire, theft, vandalism, and natural disasters
Deductibles: What Will You Pay Out of Pocket?
Most comprehensive policies come with a deductible, which is the amount you have to pay before your insurance kicks in. The specific deductible can vary:
- Some policies offer a $0 glass deductible, meaning you pay nothing for windshield repairs.
- Others may require you to pay a deductible (for example, $100 or $500) before NJM covers the rest.
Tip: Check your individual policy or ask your NJM agent what your glass deductible is.
How to File a Windshield Glass Claim with NJM
Filing a glass claim for a broken windshield is straightforward. Here’s a step-by-step breakdown if you’re insured with NJM:
- Assess the Damage
- Examine the windshield to see if it’s a small chip or a large crack.
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Cracks larger than a dollar bill or in the driver’s line of sight usually require a full replacement.
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Contact NJM
- Log in to your NJM account or call their claims department.
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Provide details like the date, location, and cause of the damage.
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Choose Your Repair Vendor
- Many insurers, including NJM, work with approved glass repair shops.
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Ask if you have to use an approved shop or if you’re free to pick any reputable provider.
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Schedule the Repair or Replacement
- Repairs take as little as 30 minutes. Replacements may take longer.
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Many glass repair providers can come to your home or work for added convenience.
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Pay Your Deductible
- If your policy has a glass deductible, pay it directly to the repair provider.
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If you have a $0 deductible, NJM often pays the shop directly.
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Get Back on the Road
- Once the repair or replacement is completed and paid (if needed), you’re good to go!
Benefits of Covering Windshield Repairs Through NJM
Keeping your windshield in top shape provides more than just peace of mind. Here are some advantages to relying on NJM for glass repair:
- Safety: Driving with a cracked windshield is dangerous. NJM coverage helps you fix issues before they get worse.
- Legal Compliance: In New Jersey, driving with a damaged windshield can get you a ticket.
- Convenience: Many repair shops offer mobile service, and claims are streamlined through NJM.
- Preserve Value: Quick repairs prevent cracks from spreading, maintaining your car’s value and safety.
Challenges and Considerations
While windshield coverage is an excellent perk, there are a few things to keep in mind:
1. Deductible Costs
If you selected a high deductible, you might end up paying more out of pocket than the repair costs, especially with minor chips or cracks.
2. Type of Damage Covered
Insurance typically covers damage from sudden, accidental events—like a rock hitting your windshield. Gradual wear (like old wiper scratches) is not covered.
3. Impact on Premiums
Filing frequent claims, even for windshield repairs, could eventually affect your premiums. However, one-off glass claims rarely result in large increases.
4. Omission of Comprehensive Coverage
If you didn’t add comprehensive to your NJM policy, you won’t have windshield protection.
5. OEM vs. Aftermarket Glass
Some policies (and repair shops) may use aftermarket glass instead of original manufacturer glass. If you have a strong preference, specify this when scheduling the repair.
Practical Tips for Handling Windshield Damage
Want to stay ahead of glass issues? Here are some best practices:
- Act Quickly: Small chips can turn into big cracks, especially in temperature swings. Repair them as soon as possible.
- Review Your Policy Annually: Know your deductible and coverage details. Ask your NJM agent about adding $0 glass deductible coverage if you qualify.
- Document the Damage: Take clear pictures before repairs for your records and claim submission.
- Choose a Trusted Shop: Use NJM’s network providers when possible—they’re often vetted for quality and convenience.
- Practice Preventive Care: Avoid slamming car doors with windows up, and park in sheltered areas if possible to reduce risk.
Glass Claims—What to Expect with NJM
If you’re new to filing glass claims, here’s what typically happens with NJM:
- Quick Claims Approval: Glass claims are usually approved swiftly, especially if you use an in-network provider.
- Mobile Service: Many providers will repair or replace your windshield at your location.
- No-Impact Claims: A single glass claim, especially repairs, generally won’t affect your rates.
- High Customer Satisfaction: NJM customers consistently rate their claims experience highly for ease and responsiveness.
Should You Pay Out of Pocket or Use Insurance?
When deciding whether to make a claim or handle a repair yourself, consider:
- Repair Cost vs. Deductible: If the cost is less than your deductible, pay out of pocket.
- Type of Damage: Some minor repairs (under $100) may not be worth a claim, while replacements ($300–$1,000) often are.
- No-Deductible Option: If you have a $0 glass deductible, always use your insurance.
Summary
In summary, NJM does cover windshield repairs and replacements if you have comprehensive coverage. It’s an excellent way to protect your investment in your car, keep you safe, and stay on the right side of state law. Know your policy, act quickly on repairs, and don’t hesitate to contact NJM when you need help with glass damage. Your windshield is your window to the world—make sure you keep it clear and safe with the right insurance protection.
Frequently Asked Questions (FAQs)
1. Does NJM auto insurance automatically cover windshield damage?
No, only if you have added comprehensive coverage to your policy. Basic liability insurance won’t cover windshield repairs or replacements.
2. What is a $0 glass deductible, and does NJM offer it?
A $0 glass deductible means you won’t pay anything out of pocket for windshield repairs or replacements. Many NJM policies offer this option, but you must request or select it when customizing your policy.
3. Will filing a glass claim with NJM raise my insurance rates?
Typically, one glass claim—especially for repair rather than replacement—won’t increase your rates. Multiple claims in a short period could have an impact.
4. Can I choose where to have my windshield repaired or does NJM require certain shops?
NJM works with a network of preferred glass repair shops, but you may be allowed to choose your own provider. Ask NJM if you have a preferred shop in mind.
5. What should I do if I get a windshield chip or crack?
Contact NJM as soon as possible to file a claim. Addressing chips early (before they turn into cracks) is safer and more cost-effective. Many policies cover chip repairs at no charge if caught early.
Keeping your windshield clear isn’t just about aesthetics—it’s a key part of your safety on the road. With comprehensive coverage from NJM, repairs and replacements are straightforward and hassle-free. Regularly review your policy to ensure you have the glass protection you need. If you ever have doubts or questions, don’t hesitate to reach out to NJM’s customer service for expert guidance. Drive safe, and keep your view crystal clear!
