Did you know that Autoglass Insurance Coverage is available from providers other than your Automobile Insurer? Most Automobile Insurance polices exclude or limit glass coverage by applying the SEF 13D (Limited Glass) Endorsement. This endorsement limits glass coverage to Specified Perils only, and includes vandalism coverage to windows other than the front window. This means that if the SEF 13D Endorsement is added to your policy, you would not have coverage for glass damage caused by rocks, chips, and other debris.
So why as a Broker do we suggest clients limit their glass coverage? By applying the SEF 13D Endorsement to your policy, your Comprehensive premiums are significantly reduced. Most Insurers provide a 50% (or more) discount when this endorsement is added. As well, the minimum Comprehensive deductible on most Automobile Insurance policies is $250 or $500. In the event of a claim, our insureds would be required to pay this amount first, and in most cases, the auto glass costs less than the deductible to repair or replace.
There are many clients who would prefer to have glass coverage on their vehicles, especially those with new or high end models. In these cases, we recommend a specialized Autoglass Insurance policy through AMI Insurance. The cost of a policy with AMI can be as low as $186.00/year or $18.00/month, which is often covered by the savings of limiting the glass under your Automobile Policy. As well, AMI Autoglass policies have some additional benefits:
– Provides coverage for the windshield, rear and side windows, and sunroof
– Any claims made do not impact your Automobile Insurance policy
– Incredibly low deductibles: $25 for repairs of up to 3 chips at the same time, and $50 a new windshield
Costen & Associates would be more than happy to provide you with a review of your current Automobile Insurance policy if you are unsure of the glass coverage you carry, or if you would like more information on the AMI Autoglass Insurance policy.
Thank you,
The Costen & Associates Team
Autoglass Insurance Coverage
