Most auto insurance policies in my state automatically have no-deductible, full-glass coverage. It's very cheap to have this coverage...about $27/ year. I found this out the hard way when a pebble caused a crack in my glass on a brand new car, and I found out that our insurance company had forgotten to put the glass coverage on. (They claimed that we "didn't ask for it" which is like saying that you are supposed to ask for tires with your car....) My dealer advised us to just add the glass coverage and then make the claim, since adding it is so cheap, but I felt like that was bad karma and so I paid for a new windshield. (Since my car was brand new, I paid for the factory brand windshield which cost almost as much as a year of my car insurance!) I also switched insurers after that; my new insurer advised me that they won't insure cars without full glass anyway.
P.S. I don't know about the ticket thing, but I was told by the dealer that most cracks, even if big, aren't dangerous because they are on the outside layer of the windshield. Still, it did make me nervous to watch it slowly creeping across the windshield over a few days....
P.P.S. Make sure you decide whether you are willing to have non-factory brand replacement glass. It will affect resale value if that is a consideration.
P.S. I don't know about the ticket thing, but I was told by the dealer that most cracks, even if big, aren't dangerous because they are on the outside layer of the windshield. Still, it did make me nervous to watch it slowly creeping across the windshield over a few days....
P.P.S. Make sure you decide whether you are willing to have non-factory brand replacement glass. It will affect resale value if that is a consideration.
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