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Having your windshield cracked or broken by a rock is never convenient. What’s worse, you may have little to no say on where your vehicle can be repaired or what type of parts can be used.
Some states provide protections for consumers regarding these repairs, but if you live in a state that doesn’t, it’s up to you to purchase an automobile insurance policy that will protect your interests.
Compare Nebraska car insurance quotes right here by using our free rate tool above. Enter your zip code to begin.
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Zero deductible full glass coverage laws force your insurance company to pay for your windshield repair or replacement while agreeing to waive your deductible.
These laws require any comprehensive auto policy to provide coverage for the windshield without regard to any deductible. These laws are in place in only a handful of states. Unfortunately, Nebraska is not one of them.
Luckily, even if state law doesn’t require full glass coverage many policies offer zero deductible full glass coverage as part of comprehensive insurance.
In fact, even zero deductible full glass coverage laws only apply to comprehensive auto policies. Comprehensive coverage is a type of coverage for automobiles that is extended only for damage to your vehicle not caused due to a collision.
These policies apply to your window being struck by debris as well as in the case of theft or vandalism. Comprehensive policies differ from liability only policies in that liability coverage only extends to damage you cause to other vehicles and drivers. Does car insurance cover a cracked windshield?
Even though Nebraska doesn’t have a law for zero deductible full glass coverage it’s likely you can obtain such coverage through a comprehensive insurance policy.
Not every comprehensive policy will include zero deductible full glass coverage which makes it critical that you compare three to four policies before buying one. Only through comparison shopping can you be certain to find the policy that best fits your needs.
One major issue you’ll face in most repairs is whether you use aftermarket or Original Equipment Manufacturer (OEM) parts. OEM parts are sourced directly from the manufacturer of your automobile, while aftermarket parts are built by third parties.
This distinction is important because OEM parts are generally considered more expensive but more reliable than aftermarket.
The law varies state to state on whether you have any right to determine what parts are used in your vehicle repair.
Nebraska has no laws about the type of parts that can be used. With no statute or insurance rule providing guidance on the issue, you can refuse used parts unless your policy dictates otherwise.
Unfortunately, most policies in Nebraska will give your insurance company total control over the quality of parts you use. It’s important that you review your policy to determine what your options are regarding part selection before contacting a repair vendor.
If you’re like most drivers you likely have a preferred repair vendor. Some states have enacted laws to codify the ability to select a repair shop as a right by barring policy language that would take repair vendor choice away from you.
Other states give you the choice of vendors but will require you to reimburse your insurance company if they find a different vendor that would have completed the work for less.
But some states either don’t address the issue at all or simply leave the decision to your insurance company. In Nebraska, your insurance company determines which repair vendor is used.
Carefully review your policy before you contact a repair vendor, as using a non-approved vendor can release your insurer from their obligation to pay for your repairs.
Unlike some states, Nebraska takes a hands-off approach to issues regarding insurance policies and vehicle repair.
Nebraska doesn’t have a law relating to zero deductible full glass coverage or protections that give you the right to select the parts that go into your vehicle. Insurers also explicitly are given the choice of repair vendor.
Thanks to this hands-off approach your insurance policy dictates every aspect of how and where your windshield is repaired. With that much at stake, it makes sense to compare three to four insurance policies before you ever purchase one.
It’s possible to policies that look similar on the surface can vary wildly as they relate to windshield repair or replacement.
By comparing multiple policies you are more likely to obtain the policy that best meets your needs. Enter your zip code into our free comparison tool below to get started.
Auto Insurance FAQ / Auto Insurance Laws